Car Repossession information from the NC Department of Justice. Helpful suggestions for those behind on car payments or facing automobile repossession.Chapter 25 - Uniform Commercial Code. The General Statutes include changes through SL 2023-151. Even if the blanks are incorrectly filled in, the security certificate as completed. If a repossessor takes your car, you're entitled to get back all your personal belongings inside of, but not attached to, the vehicle when it was repossessed. With replevin, the creditor goes to court to get an order requiring you to hand over the property. What Items Can Be Repossessed? 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. While repossession does not involve a formal process in court, replevin consists of getting the court to order the consumer to return the vehicle to the lender.