If a car loan lender can't repossess a vehicle, it will probably get possession of the car through a process called "replevin." 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.If you default on your car loan payments, the lender can take your car back through repossession or replevin. Learn the difference. What will happen if a writ of replevin is issued against myself for a financed vehicle that I no longer have possession of? The action pending index is a list of all proposed rules which are currently being considered for adoption. When someone takes your property wrongly and refuses to give it back, you can file a replevin action. How many payments are you behind and is this the first time that you are behind on loan payments and the first time your vehicle has been repossessed? • They can start a court action called "replevin. A replevin is basically the repossession of collateral (ie: vehicle, furniture, etc) that could not be done without breaching the peace.