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.To resume physical possession of a motor vehicle or mobile home in. If you're in Florida and your car has been repossessed, you still have the opportunity to redeem your car or reaffirm your loan. The law would require they give you a 10-day notice before selling the vehicle at auction. Miami-Dade County oversees towing vehicle safety standards, insurance requirements and background checks on towing business owners. You can often reinstate your car loan and work out a new payment plan as well. Any personal property left in the repossessed vehicle will be held for thirty (30) days from the date of the mailing of this notice. What Lenders Can and Cannot Do When Repossessing a Car. Lenders would prefer not to repossess your car.