I certify that I, or the firm, company, or corporation I am authorized to represent, am the legal owner within the meaning of California Vehicle Code. Edit, sign, and share repossession online.No need to install software, just go to DocHub, and sign up instantly and for free. If you get behind on your car payments or don't have auto insurance, the loan company can take your car. This is called vehicle repossession. Under California law, your lender can repossess your vehicle the instant you default on your loan terms. Who fills out the certificate of repossession. California. If you don't reach an agreement, your lender may demand that you return the car. If you agree to a "voluntary repossession," you might pay less in fees. In California, a consumer's vehicle can be taken from them if they miss payments on their loan or if they violate any terms of their agreement.