Creditors use replevin actions to recover collateral when debtors default on secured loans. While repossession does not involve a formal process in court, replevin consists of getting the court to order the consumer to return the vehicle to the lender.SCAO-Approved Forms for Use in Claim and Delivery. The process of starting a replevin action usually begins with filing a complaint. Generally speaking, the plaintiff must only prove that he has a legal right to possess the property. He does not have to prove that he has a DMV title. What will happen if a writ of replevin is issued against myself for a financed vehicle that I no longer have possession of? You must return this order not less than 20 days, nor more than 90 days, from the effective date. This complaint will describe the property that is being repossessed. Simply fill out the simple bond application and provide the court documents to us.