This page will provide an overview of Maryland's Repossession Laws and what you should know if you've fallen behind on car payments. Before you sign any paper involved in a new car purchase, take your time, read every line, and ask questions about anything that is not clear.Use the Repossession Processing window to record the repossession status of vehicles. Complete the Application for Certificate of Title, (Form VR-005), and submit the following documents: Certificate of Origin properly assigned. Read the contract to find out what will happen if the dealer is not able to arrange credit on the promised terms. This often happens to buyers with weak credit. Contact your creditor when you realize that you will be late with a payment. Many creditors will work with you to set up a payment plan. Complete this form to apply for, renew, replace, covert from out of state, or reinstate a learner's permit, driver's license, or Mass ID. Personal property in a repossessed automobile.