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. Our consumer protection lawyer in Los Angeles answer the most common questions.Have your attorney review the contract prior to repossessing. In California, a vehicle can be repossessed if the borrower fails to meet their loan obligations or fails to make insurance payments. Under California law, even if you are only one day late on a payment, the creditor can generally repossess your automobile. Form Name: Master Consultant Agreement (Capital Projects). Amendment to Approved Service Order. Of course you can repo the car. AFTER you do all of the proper steps. Do you still have the title.