This page will provide an overview of Florida's Repossession Laws and what you should know if you've fallen behind on car payments. Miami, FL Repo Company.The Florida Department of Agriculture and Consumer Services (FDACS) licenses and regulates the recovery and repossession industry in Florida. The licensed recovery agent or intern is required to be present to assure a repossession is carried out in a lawful manner and to respond to law enforcement. Your creditor may have the right to repossess or take back your car without going to court or without warning you in advance. Oral agreements are difficult to prove and may be inadmissible as evidence in a court. Remember to surrender your valid license plate if it is no longer in use to avoid possible driver's license suspension. MANY dealerships just roll every deal that signs up. They get the approval later. Your 82040 form is filled out correctly, you've applied the appropriate sales tax, etc.