This page will provide an overview of Florida's Repossession Laws and what you should know if you've fallen behind on car payments. Copy: Submit to Tax Collector's office along with application for Certificate of Title or Certificate of. Repossession.If you don't make your car payments on time, your lender might have the right to take your car without going to court or telling you first. Edit, sign, and share florida repo affidavit online. No need to install software, just go to DocHub, and sign up instantly and for free. Your creditor may have the right to repossess or take back your car without going to court or without warning you in advance. Want to work with one of the top car repossession attorneys in Florida? Our Palm Beach, Fort Lauderdale, and Miami car repossession attorneys are ready to help. In obtaining a Florida license as a recovery agent, you enter a profession that provides a valuable service to the financial community. Generally, car loan contracts permit a car repossession after one missed loan payment.