The letter provides specific details such as the date the hardship began, the cause and how long you expect it to continue. You must have physical possession of the vehicle and be a Maryland resident in order to receive a Maryland title for a repossessed vehicle.Maryland, no prior notice to the debtor is required before repossession of the car takes place, however, if no. This article is about auto repossessions, required creditor notices, and related consumer protections in the state of Maryland. If your car is repossessed, the lender must give you certain notices after the repossession and after it sells the car. Customer: Hi, I am a MD resident. Submit a letter from the insurance company declaring the vehicle a total loss including accident date. They came and picked up the car at the auto shop where it was located a few days ago. I just got a notice in the mail to renew the license plate. My car was repossessed the same day I filed bankruptcy?