This section of PALawHelp. Learn more about Pennsylvania's repossession laws, what Pennsylvania repo agents can and cannot do, and what happens after the car is taken away.Please explain your complaint: Try to be brief, but be sure to tell WHAT happened, WHEN it happened and WHERE it happened. Please file a complaint with the Pennsylvania Insurance Department(opens in a new tab) online or mail your complaint to. Pennsylvania Insurance Department VEHICLE repossessions can happen very quickly. All your lender is required to do is to give you 20 days to pay the past due balance. The fouryear Pennsylvania Statute of Limitations on debt is an often overlooked but powerful defense for consumers facing aggressive creditors.