If a car loan lender can't repossess a vehicle, it will probably get possession of the car through a process called "replevin." 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.Learn more about New York's repossession laws, what New York repo agents can and cannot do, and what happens after the car is taken away. If you default on your car loan payments, the lender can take your car back through repossession or replevin. Learn the difference. Replevin is available to a party seeking the return of goods pursuant to a court order directing a party to return the goods or collateral to you. Metro stopped payment on its check to plaintiff. Make sure you've got a really firm reason for default.