This page will provide an overview of Florida's Repossession Laws and what you should know if you've fallen behind on car payments. Copy: Submit to Tax Collector's office along with application for Certificate of Title or Certificate of. Repossession.Your creditor may have the right to repossess or take back your car without going to court or without warning you in advance. Chapter 13 is the most common option for borrowers seeking to stop car repossession. Chapter 13 provides car owners with up to 5 years to pay off the car loan. I would not admit the claims for numerous reasons. How would you know for sure that the creditor properly sold the car after repo? Your payment options. Holding credit cards. For example, my CU wanted to repo my car because I stopped paying my credit card bills two months before filing.