This page will provide an overview of Minnesota's Repossession Laws and what you should know if you've fallen behind on car payments. Need serious help with this one.Yes, I'm an irresponsible loser for getting so behind on my payments, I get it. Complete this form and bring it with the license plates, if any, to any Motor Vehicles office. Check, money order, credit or debit card. In person application. 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. A phone call or letter isn't sufficient. Here are the five steps for answering a Minnesota collection lawsuit. I have a question regarding vehicle repossession.