Repo's Allowed: After 20 day "Right to Cure" letter from lienholder to debtor, repossession allowed without committing a breach of peace. Car Repossession information from the NC Department of Justice.Helpful suggestions for those behind on car payments or facing automobile repossession. After you've completed the form and printed copies, please hit submit to send your complaint to the Consumer Protection Division. Let's say you are neither an American or a Canadian citizen. Can a repo man find you in Canada if you have unpaid debts in the USA? The documentation and forms required for titling a vehicle are based on the situation involving the vehicle, as described in the table below. The Division of Motor Vehicles of the Department of Transportation is established. This Chapter sets out the powers and duties of the Division. The financing company owns the vehicle until you have completed the terms of the contract that you signed.