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.The total processing time for a company application is approximately 4 months provided the application is complete and contains no deficiencies. Regarding your question about whether a repossession company in California can take your car if you don't have the title, here are some key points to consider. The following facts (specify): the verified complaint. A copy of which is attached. 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. I just heard someone say "If your car is getting repossessed, jump in the car because they can't legally tow it and police can't stop it. If you default on your car loan payments, the lender can take your car back through repossession or replevin. Learn the difference.