Learn more about Ohio's repossession laws, what Ohio repo agents can and cannot do, and what happens after the car is taken away. 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.Credit card purchases. Credit card debt is unsecured, so items purchased with a credit card cannot be repossessed. So, items you purchased with a credit card can't be repossessed. Creditors Can't Repossess Property Named as Collateral in an Unenforceable Contract. Can a debt still affect my credit even if it's several years old? How can I get a debt collector to stop contacting me? The first step is to let the lender know that you can no longer make payments and want to voluntarily surrender the vehicle. If you are on a weekly contract, they may try to repossess the car on day 1 of the missed payments.