Complete this form and bring it with the license plates, if any, to any Motor Vehicles office. The lender or leaseholder can repossess the car even if you are only a few weeks behind in your payments and even without any notice to you.Repossession happens when a lender takes back a car because the borrower has fallen behind on payments. If the title is in your name and there is no lien holder, no one can legally take the car. The bill of sale is not necessary. 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. Complete Form MVR4A properly signing in the presence of a notary. 2. Adobe Reader may be required for your browser or you may need to download the form to complete it properly. What if I'm having trouble paying my car loan? To send us a message, please select from one of the options below and fill out a short form.