Repo my ex's car

In effort to help my ex financially I loaned her money with a signed loan agreement.
I am first lien holder on the title to her car.

She has defaulted on the terms of the loan.
She has threatened bankruptcy to void the terms of the loan.
She has filed harassment police reports on me for numerous phone calls.
One of the conditions of default was “any legal action or dispute brought on by the Burrower”.

The dealer said they will make a key. Can I just use that key and go take the car into my possession
as long as no disturbance of the peace?

The loan agreement states balance due immediately if filing of bankruptcy by her.
Can she file bankruptcy, while gainfully employed, and void the lien and loan?

You should consult a creditor’s rights attorney for an answer to this question.