Been in the repo business. Yes we can get it, with a roll back strap around it and winch it on the bed and down the road we go. Might take 5min at 3 in the am. Now you just added $4-500 to what you owe. Where we were they had to hold it 30 days and normally would auction it off. Those things sell for hardly anything. Now you have added storage and the auction cost to what you still owe after deducting what they recovered at the sale. Lender will come after you for awhile then sell it to a collection outfit. The bank 9 chances out of 10 will write the loss off. The collection outfit will hound you for the rest of your life. BUT if you have any assets and the amount is enough the bank will attach everything you have. Best way out is make the payments.