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. If you default on your car loan payments, the lender can take your car back through repossession or replevin.Learn the difference. Do they work things out, or just sell your car right away? What about items inside your vehicle. If a car loan lender can't repossess a vehicle, it will probably get possession of the car through a process called "replevin." The process of starting a replevin action usually begins with filing a complaint. Can someone please show me the writ of replevin documentation I CAN fill out. Call (732) 709-7277 - Jonathan Rudnick is dedicated to serving our clients with a range of legal services including Consumer Fraud and Lemon Law cases. Property can be subject to replevin or repossession when the debtor defaults, or fails to pay, under a contract.