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. Edit, sign, and share repo order form online.No need to install software, just go to DocHub, and sign up instantly and for free. To apply in person, you will need to visit any Ohio County Clerk of Courts Title Office with your valid photo ID and payment of title fees. Learn more about Ohio's repossession laws, what Ohio repo agents can and cannot do, and what happens after the car is taken away. " Be sure to read them. Please note: a request for a correction does not guarantee approval of the correction. In the sample letter, fill in your personal information. Customer. At the bottom it says payment to avoid garnishment. Even if you successfully complete a voluntary repossession, the payments you missed on the auto loan will still appear on your credit report.