The total processing time for a company application is approximately 4 months provided the application is complete and contains no deficiencies. Repossession is lawful only when the written contract for the purchase or lease of the vehicle states that the creditor has the right to repossess the vehicle.In this article, I am going to explain what those situations are, the laws that regulate this area, and what you can do about a wrongful repossession. Gov or call 800.952. You have 30 days to respond to a debt lawsuit in California. If you think you may be in danger of repossession, contact Attorney Debt Reset immediately to find out what we can do to help. Our attorney can protect your car or truck from repossession. If your vehicle was wrongfully repossessed or if you're in the midst of it, reach out to Sue The Collector at 877-BAD-REPO. How do I report a parking violation in the unincorporated areas of Sacramento County? The Complaint includes several numbered paragraphs that lay out the lawsuit against you.