This page will provide an overview of Pennsylvania's Repossession Laws and what you should know if you've fallen behind on car payments. The following is a sample vehicle repossession letter disputing collection activities associated with a deficiency from a motor vehicle repossession.The fouryear Pennsylvania Statute of Limitations on debt is an often overlooked but powerful defense for consumers facing aggressive creditors. Need serious help with this one. Yes, I'm an irresponsible loser for getting so behind on my payments, I get it. If you don't make your car payments on time, your lender might have the right to take your car without going to court or telling you first.