The Canadian Parliment makes the laws in Canada.
the federal government also do it too.
A legal definition that is best described as 'just short of arrest.' You are not free to leave, and your freedom may be restricted. Most often when a person is "detained" it is for officer safety. Any person that is stopped whether a pedestrian or in a vehicle, may be detained if an officer feels there is a potential safety risk to himself/herself or others. It can also mean that there is suspicion of an offense, where a person may be detained for (depending on the state) up to 45 minutes while the officer confirms.
Are you referring to a Chapter 13 bankruptcy confirmation hearing?
What happens is this, the vehicle gets repo'd. You still owe the deficiency after the vehicle is remarketed. The bank will take you to court for the deficiency. If you do not pay the deficiency if you are ruled against, they may garnish wages by court order. It takes legal action for wages to be garnished.