The notice must have a form you can fill out and send back to request the extension. 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.This page will provide an overview of California's Repossession Laws and what you should know if you've fallen behind on car payments. The notice must 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. California law permits cars to be repossessed after one late or missed loan payment. Cars may be repossessed after missed insurance payments as well. Unlike some other states, California does not require the finance company to notify you before they repossess your vehicle. Once you're in default, the lender might be able to repossess your car at any time, without notice, and come onto your property to take it. Yes, but only if the repossession agency sends you a "Notice of Seizure" within 48 hours of the repo, which details the storage charges.