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 a car loan lender can't repossess a vehicle, it will probably get possession of the car through a process called "replevin."If you default on your car loan payments, the lender can take your car back through repossession or replevin. Learn the difference. If you purchase a car on credit and don't have the ability to pay the bills for it then it will be repossessed and towed away. The answer to your question is yes. The writ is a court order that allows a law enforcement officer to recover personal property from a person. Often a replevin action is filed when a creditor has tried to repo the car and the Debtor is hiding it. What is the process once a person states they want to file a replevin and how long does it take to complete? Alternately, the creditor may arrive with a Sheriff and cut locks to access the vehicle, if necessary.