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. If a car loan lender can't repossess a vehicle, it will probably get possession of the car through a process called "replevin."The process of starting a replevin action usually begins with filing a complaint. It is a lawsuit for breach of contract, combined with prejudgment remedies seeking recovery of your collateral. If you default on your car loan payments, the lender can take your car back through repossession or replevin. Learn the difference. This form must be completed when a vehicle is repossessed. All fields are required to be completed. This form must be completed when a vehicle is repossessed. All fields are required to be completed.