Any company with a legitimate security interest in a vehicle can peacefully trespass to take possession of a vehicle (irrespective of who's land it is on). Yes, much like any creditor they do not have to accept any payment that violates the terms of a contract (read: Not on time or not for full amount). Also, sorry to say but title pawn usually doesn't fall under federal bankruptcy protection depending on the circuit in which you file (ask a competent attorney before you file).
