They tried to pull some similar crap to my wife on her car (before we got married). She was barely a month behind and they tried to come repo her car and she had made the past due and current payment and they didnt have a wrecker and were demanding she give them the keys I told them to piss off and she had the finance company on the phone and they ended up talking to them ont he phone. Some repo companies are unscrupulous in their actions and it cant be assumed they are given proper info or worse you have to make sure you call the finance company as soon as any payments are made in which you maybe at risk of repo because if you talk to them and they confirm the payments and then the company takes your car rightg after that they can be held legally liable. In this case GMAC could be facing a lawsuit by the family for wrongful death in this case due to the undo stress they created and as for the Home Health Nurse I definitely would sue your finance company for lost wages as well as treble damages for fraudulent conversion by your lender if you were current and it was taken then they can be held liable because the repossession isnt legal if you are current.