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.This document is essential for legal owners of repossessed vehicles. It outlines the necessary steps for declaring repossession in California. Once completed, note the SST number and come into our office to finish the process. California law permits cars to be repossessed after one late or missed loan payment. Cars may be repossessed after missed insurance payments as well. You must receive notice of the sale before the vehicle is sold. Complete this form and bring it with the license plates, if any, to any Motor Vehicles office. If you know you're not going to be able to keep up with your loan payments, you might be better off selling the car yourself and paying off the debt.