The first step is to fill out an FTC Fraud Affidavit, from the Federal Trade Commission website. 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. Attorney specializing in California car repossession law. Learn about your California rights after a repossession and how to get your repossessed car back. The form acts as a written confirmation that the entity listed is the legal owner and expresses intent to retrieve the vehicle through involuntary repossession. Facing repossession? Call San Diego Legal Pros. Repossession agents in California are authorized to repossess vehicles after one delinquent loan payment or missed 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.