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.When someone takes your property wrongly and refuses to give it back, you can file a replevin action. What will happen if a writ of replevin is issued against myself for a financed vehicle that I no longer have possession of? This article explains when and why your vehicle or property can be repossessed, your rights, and how you might get the property back. Repo state laws apply in the state in which your finance company is located. If you default on your car loan payments, the lender can take your car back through repossession or replevin. Learn the difference. If you have been sued for an auto loan deficiency, call 800-862-1260 or 210-222-2288 (in San Antonio). You may have as little as 14 days to respond.