Does a bank have to notify you before a Repo?

Why would they need to notify you? You know just as well as they do whether or not you’re making your payments.

Generally no they don't

No. You agreed to it when you signed the papers. But, you should get PLENTY of calls before they repo.

You can probably go 45+ days in most cases. Of course, you'd rack up tons of late fees and probably never catch up. And it would hurt your credit.

Tell them when you will pay and do it. And don't be late month after month.

Of course not. Read the papers you signed to get the loan, they will state that payments must be made and the lender can take action if you do not pay. You do get a polite reminder if you miss a payment, but if you ignore that, don't contact the lender to talk to them, then eventually a pick up order goes to a repossession agent. If they notify you it is pending you will have a chance to hide the vehicle and continue to not pay.

You have had multiple opportunities to bring your account up to date and avoid the repossession. Why would they tell you they are coming to get the car?

The bank doesn't repo the car the first day you are late.

They notify you and notify you -- maybe for as long as 4 months (or more) and tell you to pay your bill.

No. they do not tell you pay the bill before Tuesday or we are going to repo it because that defeats the purpose. People will just hide the car so it can't be repo-ed.

They already notified you. Your notification was the contract you signed when you accepted their loan.