If a car loan lender can't repossess a vehicle, it will probably get possession of the car through a process called "replevin." In California, a vehicle can be repossessed if the borrower fails to meet their loan obligations or fails to make insurance payments.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. Contact a San Diego debt attorney at (888) 875-9190 if you are threatened with repossession or have had your vehicle repossessed. What will happen if a writ of replevin is issued against myself for a financed vehicle that I no longer have possession of? When someone takes your property wrongly and refuses to give it back, you can file a replevin action. Small Claims Court is a special court where individuals, representing themselves, resolve disputes quickly and inexpensively in an informal setting. The best bet for you is to sell the car, pay off the balance of the loan, and then use the remainder to buy a less expensive car outright. Importantly, even when a car has been repossessed, the borrower still has options to get back the vehicle and reinstate the loan, as applicable. Business Partner Directory - All Business Partners.