If a car loan lender can't repossess a vehicle, it will probably get possession of the car through a process called "replevin." This is a selfhelp remedy that allows creditors to take possession of said car and you do not have to be sued first.While repossession does not involve a formal process in court, replevin consists of getting the court to order the consumer to return the vehicle to the lender. Learn more about New York's repossession laws, what New York repo agents can and cannot do, and what happens after the car is taken away. The lender or leaseholder can repossess the car even if you are only a few weeks behind in your payments and even without any notice to you. The only issue is the right of the lienholder of the vehicle, Ford Motor Credit Company, to replevin of the vehicle to satisfy its perfected security interest. Plaintiff went to Paradise on August 19, 2020 and asked about financing. 8. Went to Paradise on August 19, 2020 and asked about financing. 8. Paradise first had Plaintiff fill out a credit application. A law review article entitled "Bursting the Auto Loan Bubble in the Wake of COVID19.