If you're behind on your car payments and your creditor is threatening to repossess your car, here are some helpful suggestions. This guide includes information about filling out forms for small claims court.This page will provide an overview of North Carolina's Repossession Laws and what you should know if you've fallen behind on car payments. The following is a sample vehicle repossession letter disputing collection activities associated with a deficiency from a motor vehicle repossession. A free online service to help users prepare court documents to file for certain case types. Learn more or start a filing. This page will provide an overview of North Carolina's Repossession Laws and what you should know if you've fallen behind on car payments. There is no automatic right to attorneys' fees in a civil case.