Can a creditor take a vechile you own to pay an unsecured credit card debt

In answering your question, I presume that the vehicle and the debt are not related (i.e. it is not an auto loan that you defaulted on). In that context, no one can take your property without having a judgment and a court order allowing them to seize your property, sell it, and then apply the proceeds to your debt. If they do have court authorization to seize your property and sell it, the have to provide an accounting of the funds to you and remit any excess funds to you.