This page will provide an overview of Utah's Repossession Laws and what you should know if you've fallen behind on car payments. California law permits cars to be repossessed after one late or missed loan payment.Cars may be repossessed after missed insurance payments as well. How Do I File a Complaint With the Bureau? What should I do if I have complaints about repossession? You should file a complaint with the Department of Consumer Affairs as outlined in the document. If you're not finding the forms you need, contact us at (801) 238-7990 or Click here to contact the web navigator. In the documents below called Complaint Multiple Claims and Complaint Injunctive Relief, you can see some examples of complaints to start a case. Answer each claim listed in the Complaint document. Assert your affirmative defenses.