Wherever you made the contract matters. Those rules should apply unless the contract provides otherwise. That said, if you are in a different state, you may find objecting to them not being followed is a costly waste of time until they come after you for a deficiency. It is customary for the repo agent to charge a fee for recovery of personal effects. It is designed to cover their expense involved in doing the inventory of the vehicles contents, removing them, storing them, documenting them, then processing the release of property to you. You should ask where the vehicle will be auctioned if not notified and bid the amount owed on the loan plus repo and auction fees, to get back your vehicle and leave a clean slate.

