If a car loan lender can't repossess a vehicle, it will probably get possession of the car through a process called "replevin." When someone takes your property wrongly and refuses to give it back, you can file a replevin action.The process of starting a replevin action usually begins with filing a complaint. What is the process once a person states they want to file a replevin and how long does it take to complete? 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. The writ of replevin allows law enforcement, such as the sheriff, to take possession of the property (the vehicle) and return it to you. This complaint will describe the property that is being repossessed. My ex BF and I have a joint car loan. The car is out for repo and is in the replevin dept. For example, they can tow your car from your driveway or the street.