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small loan company collections


dolphindan1
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I have a small loan with a local loan company...sunshine finance...when I open the loan I had to list a few items as I guess collateral...Well I have fallen behind on the loan and they are coming to the house to get me to try and pay etc....what actually happens if I never pay...I intend to pay but am just wondering can they legally come in and seize the items I listed....what if I no longer owned them....some of the items were bogus anyway like a rake or shovel....they asked if I had them when I was listing items....So what happens on these type loans...just a curiosity question....thanks

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