Could a truck be repossessed at 2 AM?

Danielle, VERY POSSIBLE. it is also possible that someone didnt get notified. Once GMAC assigns a repo, it will be on the hit list until GMAC closes the account with the repo co. There is NO time limit on when a repo is performed. Was it stolen??? Call the police and report it stolen. They will tell you if it was called in as a repo. Looks bad on you when you try to call a repo in as stolen. Call GMAC, they know if it was repoed. Good Luck