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After 2 the bank will get serious trying to contact you after 3 they send the repo man out. Try and bargain with the bank, do not ignore them!
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Legally a bank can repo your vehicle as soon as you miss a payment, especially your first payment, known as 1st payment default. Many banks will attempt to repossess your vehicle as soon as you are 15 days behind. This way it will be unexpected and you will probably still live at the address they have for you as well as likely to be employed at the same job. The longer they wait the more likely all of these things will change. Get all the answers you need at stopautorepo.com
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