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. This guide offers practical steps and legal insights to help you recover your vehicle and regain control of your financial situation.Car Repossession information from the NC Department of Justice. Helpful suggestions for those behind on car payments or facing automobile repossession. To schedule an appointment call 803-326-1860. View current repossessions, request more information and submit offers. For Repossession related issues fill out the Repossession Contact Form. 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. So, items you purchased with a credit card can't be repossessed. Creditors Can't Repossess Property Named as Collateral in an Unenforceable Contract.