Car Repossession information from the NC Department of Justice. Helpful suggestions for those behind on car payments or facing automobile repossession.In North Carolina, lenders aren't legally required to give you a notice before repossessing your car. The documentation and forms required for titling a vehicle are based on the situation involving the vehicle, as described in the table below. 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. 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. If your car is repossessed, the lender must give you certain notices after the repossession and after it sells the car. The NCDOJ advises that if the creditor agrees to a change in your payment arrangement, make sure you get it in writing. I didn't get a voicemail or letter about a late payment. This is very unfair.
