I left my nieces boyfriend buy a quad on a credit card in my name. It's titled in my name. Many of the payments have been late. I get the phone calls from the credit card company. Right now the payment is a month past due. I notified him by text message. Usually he gives my neice the money and she makes the payment online. They're fighting, she wants him to give it to me to do. He doesnt want to see me, so no money, no payment so far. Can I reposess the quad? which would mean taking it from a locked storage shed? I would take it, put a new lock on the shed, giving the key to his friend who also has a quad in the shed. I have a key to the quad, not the shed.