I certify that I, or the firm, company, or corporation I am authorized to represent, am the legal owner within the meaning of California Vehicle Code. This page will provide an overview of California's Repossession Laws and what you should know if you've fallen behind on car payments.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. I, , authorize San Bernardino County Department of Public Health – Vital Statistics Records Office to charge my credit card above for agreed upon purchases. If you get behind on your car payments or don't have auto insurance, the loan company can take your car. This is called vehicle repossession. You have 30 days to respond to a debt lawsuit in California. The first step is to fill out an FTC Fraud Affidavit, from the Federal Trade Commission website. If you get behind on your car payments or don't have auto insurance, the loan company can take your car. This is called vehicle repossession.