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. If the lender is willing to renegotiate your payment terms, you can enter into a new contract or "reaffirmation agreement" in Chapter 7 and keep the car. They only repossessed when you are so many months behind on your payments. Generally, cars are repossessed once payments are 90 days in default. Just don't expect lenders to give you a heads-up when the Repo Man will come calling. Banks pay repossession agencies to reclaim their vehicles when borrowers default on their loan obligations. If you are on a weekly contract, they may try to repossess the car on day 1 of the missed payments. Complete this form and bring it with the license plates, if any, to any Motor Vehicles office.