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. A writ of replevin is a prejudgment process ordering the seizure or attachment of alleged illegally taken or wrongfully withheld property. If you default on your car loan payments, the lender can take your car back through repossession or replevin. Learn the difference. You are entitled to repossess your property if you can do so without a "breach of the peace. Some will allow individuals without attorneys to file suits seeking sequestration writs in their courts. Some even provide forms for creditors to fill out. Can I still be able to hire a repo company to take the vehicle instead of sheriff department ?