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." 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. In order to win a replevin case, the plaintiff must prove that he has a legal right to possess the property in question. The answer is NO. It is strictly a civil matter as far as the repossession is concerned. Police in Ohio can get in big trouble (and you can sue them) So, a notice of right to cure must only be sent out once ever. Information about Justice Court Suits and Civil Cases in the Harris County Justice of the Peace Courts. Seeking assistance with replevin, repossession, or attachment?