This article explains when and why your vehicle or property can be repossessed, your rights, and how you might get the property back. A creditor can file a lawsuit seeking an order to begin the car repossession process.If a debt collector threatens to take your home or garnish your wages, you may be the victim of a debt collection scam. File a complaint with us immediately. There are several different incident types that can be submitted online. Please select one from the following items. If you have a general question you can contact our Consumer Assistance helpline and speak with one of our Investigators 1-800-538-1579. Yes, a collector can contact you and ask to pay an old debt. However, they could not successfully sue you for a 20 year old car loan. This page will provide an overview of Texas's Repossession Laws and what you should know if you've fallen behind on car payments.