California law permits cars to be repossessed after one late or missed loan payment. Cars may be repossessed after missed insurance payments as well.The first step is to fill out an FTC Fraud Affidavit, from the Federal Trade Commission website. Unlike some other states, California does not require the finance company to notify you before they repossess your vehicle. What rights do you have when your car is being repossessed? This notice must be provided within 60 days after repossession. A copy of a valid photo ID or Passport. Edit, sign, and share repo order form online. No need to install software, just go to DocHub, and sign up instantly and for free. If you choose not to make the payments within the 15 days allowed, the legal owner will arrange for your car to be sold.