In California, a vehicle can be repossessed if the borrower fails to meet their loan obligations or fails to make insurance payments. What will happen if a writ of replevin is issued against myself for a financed vehicle that I no longer have possession of?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. Our team of experienced San Jose bankruptcy lawyers can provide legal guidance and support to help you navigate the complex car repossession process. If a car loan lender can't repossess a vehicle, it will probably get possession of the car through a process called "replevin." Regarding your question about whether a repossession company in California can take your car if you don't have the title, here are some key points to consider. However, after the repossession, you are entitled to two separate written notices, one from the repossession agency, and one from the lender. For instance, a lender can file a replevin complaint against a borrower to repossess their car after failing to make repayments. If you have missed more than one payment and the grace period is up your vehicle is in jeopardy of being repoed. Repossession laws in Illinois are often contingent on the terms stipulated in the loan agreement.