If you default on your car loan payments, the lender can take your car back through repossession or replevin. Learn the difference.The court found that a lender who repossesses a vehicle before a borrower files for bankruptcy is not in violation of the "exercise control" provision. Many states allow repossessors to enter private property to complete a repossession, so long as the taking is without breaching the peace. Complete this form and bring it with the license plates, if any, to any Motor Vehicles office. 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. It would probably be more trouble than it's worth to them, but they have every right to take it if you are delinquent in your payments. Okay I see so basically if I wanted to I can just go to court house and pick up the verified copy of the order and writ of replevin.