Does anyone know the rights that we have as to how the company can come in the middle of the night and take your vehicle and not let you know and not be able to get your belongings out and not get your license plate off?
What is the name of your state, Bonnie A?
Have you ever read the book, "The Midnight Plan of the Repo Man" by W. Bruce Cameron? It is probably more fun to read than the contract you signed when you purchased your vehicle.
The contract you signed allows for repossession of the vehicle when you fall behind in your payments.
Most companies, however, do not want to repossess a vehicle. They prefer to work out a payment plan with the purchaser of the car. Unfortunately, some (many? most?) purchasers who avoid making payments also avoid phone calls and letters coming from those to whom they owe money. One recourse a company has when other arrangements cannot be made is to repossess the vehicle - even in the middle of the night.
Often when a vehicle is repossessed, the vehicle-purchaser is handed their belongings and their license plate - but these can be picked up at the yard where the car has been towed.