The fastest way to get help with an insurance question. Call our Help Line at 800-252-3439.This article explains when and why your vehicle or property can be repossessed, your rights, and how you might get the property back. Call our Help Line at 8002523439, from 8 am to 5 pm Central time, Monday through Friday. Get help or file a complaint following these steps. Learn more about Texas' repossession laws, what Texas repo agents can and cannot do, and what happens after the car is taken away. If you owe a debt, act quickly — preferably before it's sent to a collection agency. The only way to get your car back in Texas is to "redeem," or pay off the full loan balance, plus the repossession fee. Repossession can also mean paying higher insurance rates. Texas only allows peaceful repossession, and if the police are called, the peace has been breached.