This article explains when and why your vehicle or property can be repossessed, your rights, and how you might get the property back. The statute of limitations to collect a debt in Texas is 4 years.This article covers how vehicle repossession works in New York state and what your rights are as a New Yorker. I was served a civil summons for a past car that was repossessed. What can they legally get from me? Your personal property was boxed up when your vehicle arrived at the tow yard. Since I did not receive a letter from my auto lender stating they repossessed the vehicle and the damages that have incurred if I can sue? Texas repossession laws require a lender to have a valid lien on the vehicle to repossess without a court order. REPOSSESSIONS. COMPLAINTS. This pamphlet is meant to serve as a summary of your rights and responsibilities under this loan. If you have a problem with your lender, file a complaint with the lender's home office.