I certify that I, or the firm, company, or corporation I am authorized to represent, am the legal owner within the meaning of California Vehicle Code. If you get behind on your car payments or don't have auto insurance, the loan company can take your car.This is called vehicle repossession. Not unless you go to court in Canada and get a court order. Debts are not directly enforceable across the border. Repo's Allowed: After 20 day "Right to Cure" letter from lienholder to debtor, repossession allowed without committing a breach of peace. Canadian repo guy here. I do leased vehicles only. You rent from us the Vehicle described in the Agreement, which rental is solely a bailment for mutual benefit. In this agreement, you pledge the car as collateral for the debt.