Earlier quoted context omitted.
This actually depends on the state. Many states in the US don't require it and there is zero federal laws that do. However, even in states that require it it's generally close to a rubber stamp.
In which state can a private individual go onto some one else's property to repossess something?
Under Texas law, your vehicle may be repossessed even if it is "only" late. That means that if you payment was due on November 1st and you haven't paid by November 10th it is possible to find your vehicle was repossessed by the 11th of November. The Financer or Leaser does not need to go to court in order to repossess you vehicle, nor are they required to give you advance warning. The repo man is allowed to come onto your property to repossess you vehicle; but they are not allowed to disturb the peace to do so. Also, if your repo man needs to come onto your property to repossess your property, they are not allowed to destroy or damage you property to carry out the repossession.