If you complete your filing before your car has been repossessed, its payments will be made through your repayment plan and you will continue to own it. If a car loan lender can't repossess a vehicle, it will probably get possession of the car through a process called "replevin."The total processing time for a company application is approximately 4 months provided the application is complete and contains no deficiencies. This page will provide an overview of California's Repossession Laws and what you should know if you've fallen behind on car payments. If you default on your car loan payments, the lender can take your car back through repossession or replevin. Learn the difference. For instance, a lender can file a replevin complaint against a borrower to repossess their car after failing to make repayments. Attorney specializing in California car repossession law. Learn about your California rights after a repossession and how to get your repossessed car back. The answer to your question is yes.