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. A writ of replevin is a prejudgment process ordering the seizure or attachment of alleged illegally taken or wrongfully withheld property. This is a selfhelp remedy that allows creditors to take possession of said car and you do not have to be sued first. What do I need when I send over a replevin order? The process of starting a replevin action usually begins with filing a complaint. What To Watch Out For. Before you file a replevin action, make sure you know the name of the defendant and where the property is located. For example, a bank might file a replevin action against a borrower to repossess the borrower's car after he missed too many payments.