This page will provide an overview of Pennsylvania's Repossession Laws and what you should know if you've fallen behind on car payments. Return of Personal Property: The lienholder is generally required to return any personal property found in the repossessed vehicle to you.A car lien is a kind of insurance for lenders when you take out an auto loan. 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. With a car lien, this would lead to repossession. Search for Pennsylvania Lien records. Explore the types of liens, such as tax liens and judgment liens. My car is financed through the manufacturer's credit department. The Uniform Commercial Code (the "UCC"), as in effect in the Commonwealth of.