This article provides information regarding titles on vehicles and whether a lien is attached or cleared. I (we) certify this motor vehicle Year______ Make_______________ VIN.Edit, sign, and share ohio repo affidavit online. No need to install software, just go to DocHub, and sign up instantly and for free. Ohio's auto repossession law says that the vehicle lender or secured party can repossess your vehicle if you are just one day late with your payment. Repo's Allowed: After 20 day "Right to Cure" letter from lienholder to debtor, repossession allowed without committing a breach of peace. That lent money is noted on the title as the lienholder. The lienholder has legal interest in the vehicle until the borrowed money is repaid in full. Even if you successfully complete a voluntary repossession, the payments you missed on the auto loan will still appear on your credit report. What if my lien holder is holding my title?