Car Repossession information from the NC Department of Justice. Helpful suggestions for those behind on car payments or facing automobile repossession.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. The documentation and forms required for titling a vehicle are based on the situation involving the vehicle, as described in the table below. For Repossession related issues fill out the Repossession Contact Form. Search for: Areas Of Focus. If you don't make your car payments on time, your lender might have the right to take your car without going to court or telling you first. 1. Gather information of the recent owner from records. Upon default, the lienholder often has the right to immediate repossession unless there is a "grace period" provided for in the language of the contract. The security agreement allows the seller of the car to repossess the car without going to court if you are in default.
