If you default on your car loan payments, the lender can take your car back through repossession or replevin. Learn the difference.If a car loan lender can't repossess a vehicle, it will probably get possession of the car through a process called "replevin." Complete this form and bring it with the license plates, if any, to any Motor Vehicles office. Repo's are virtually never wrongfully taken. 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. I just heard someone say "If your car is getting repossessed, jump in the car because they can't legally tow it and police can't stop it. Get free access to the complete judgment in FEDDERS CORP. v. July 27, 2012 Volume 36, Issue 30. So, before handing over any money, you want to get the plaintiff to agree in writing to withdraw the action.