If Sharpe Finance Co.has a secured interest in Jeff's car and Jeff is in default,in most states Sharpe may take the car from in front of Jeff's house without getting a court order.

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In most states, a secured creditor can repossess collateral, such as a car, without a court order if the borrower is in default. This is usually allowed under the terms of the loan agreement or state law. However, the creditor must not use force or breach the peace during the repossession process.