Texas repossession laws require a lender to have a valid lien on the vehicle to repossess without a court order. Since I did not receive a letter from my auto lender stating they repossessed the vehicle and the damages that have incurred if I can sue?This article explains when and why your vehicle or property can be repossessed, your rights, and how you might get the property back. Select the applicable "Method of Repossession" and attach any required documentation, if applicable. This completed form must be submitted to a county tax. This page will provide an overview of Texas's Repossession Laws and what you should know if you've fallen behind on car payments. I bought a car from an in-house dealer (my credit wasn't involved) but the car got repossessed. If I get the car back, will it ruin my credit? It doesn't concern you. Failing to keep up with the payment schedule of a loan agreement and getting your car repossessed will lower your credit score quickly.