In Texas property cannot be reprocessed on private property unless (1) the property owner gives you (written) permission to do so or (2) you get a writ of sequestration to repossess and it must be done with an officer of the law present.
In my early days I worked at a loan company and was well aware of the laws.
I suppose this permission happens when the borrower enters into the original loan contract. Seems fair to me. Repo situations are not the same as theft situations, to me. But then Ive had lots of occasions of people owing me money back in the day.