How do you repossess a motorcycle financed in your name but in the possession of another who has defaulted on loan?

One can either take the bike ones self or hire a recovery agent to do it. Does one know where the bike is? Do one have a key to the bike? Do one have somethiong to haul the bike on?

PS. is one's name on the TITLE? id not, one is in a bad place. If one is ONLY on the loan and not the TITLE, one has been had.