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.You have a right to request proof that the individual carrying out the repossession is currently licensed as a repossession agency, qualified manager, or agent. This page will provide an overview of California's Repossession Laws and what you should know if you've fallen behind on car payments. Have a form you can fill out and send back to ask for the extension. This gives you extra time to get the money you need. 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're having trouble making car payments, contact your lender as soon as possible. Don't wait for the company to repossess your car. California law permits cars to be repossessed after one late or missed loan payment.