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. The first step is to fill out an FTC Fraud Affidavit, from the Federal Trade Commission website.Complete copy of Contractor's San José Business License;. 4.13.6. Complete copy of Contractor's San José Tow Operator Permit;. 4.13.7. Have your attorney review the contract prior to repossessing. Under California law, even if you are only one day late on a payment, the creditor can generally repossess your automobile. In this article, I am going to explain what those situations are, the laws that regulate this area, and what you can do about a wrongful repossession. Term Start Date: Term End Date: Extension: Method of Procurement: RFB, RFP or RFQ No.: ______ Date Conducted: ______ __. Do you still have the title. If so, you can repossess it under the terms of your agreement.