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. As soon as you miss a car payment, the lender can arrange to have your car repossessed—the lender doesn't need to get your permission or to tell you in advance.Our consumer protection lawyer in Los Angeles answer the most common questions. Attorney specializing in California car repossession law. Learn about your California rights after a repossession and how to get your repossessed car back. In order for a company to seek licensure as a repossession agency, the Qualified Manager (see below) must have passed the licensing examination. In California, a vehicle can be repossessed if the borrower fails to meet their loan obligations or fails to make insurance payments. Vehicle repossession is complete when the repossessor gains entry to the vehicle or when the vehicle is hooked up to a tow truck. Illegal Towing: The San Diego Police Department and City Attorney's Office are working to ensure towing in the City of San Diego is done lawfully. Repossession. Vehicle Being Towed.