Continue to Entry Form > Learn how to stop repossession in Florida fast.Learn more about Florida's repossession laws, what Florida repo agents can and cannot do, and what happens after the car is taken away. Replevin actions involve disputes over ownership or possession of personal property, such as cars, boats, or artwork. The Florida Department of Agriculture and Consumer Services (FDACS) licenses and regulates the recovery and repossession industry in Florida. Chapter 13 is the most common option for borrowers seeking to stop car repossession. Chapter 13 provides car owners with up to 5 years to pay off the car loan. In Florida, repossessions fall under Florida statute 537.012, which allows lender to have licensed possession agents take your vehicle without notice to you.