In a replevin action, also called a "claim and delivery", a party seeks to have the court order the delivery of property they claim legally belongs to them. Car Repossession information from the NC Department of Justice.Helpful suggestions for those behind on car payments or facing automobile repossession. In North Carolina, creditors have the legal right to repossess your vehicle if you fall behind on your loan payments. The process of starting a replevin action usually begins with filing a complaint. A small claims case is filed in the clerk of superior court's office in the appropriate county. The forms may be printed and completed in advance. 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. A replevin can be filed at anytime if you are hiding the car and won't return it or they cannot find it. Contact your creditor when you realize that you will be late with a payment.