This page will provide an overview of Utah's Repossession Laws and what you should know if you've fallen behind on car payments. It is our responsibility to sell a "repossession" for as much as possible in order to lower the amount a distressed member has owing on their account.Understanding Auto Repossessions with UCCU. Get insights into the process, rights, and options when dealing with vehicle repossessions. The following online forms are available when adjustments to America First accounts require member and joint owner (if applicable) signatures. Credit Unions usually repo vehicles unless a reaffirmation agreement is signed and that they cannot repo until the automatic stay is lifted. Credit Unions usually repo vehicles unless a reaffirmation agreement is signed and that they cannot repo until the automatic stay is lifted. Please fill out the form below and one of our attorneys will contact you. Only licensed salespersons may represent the dealership in the purchase and sale of vehicles. Credit union staff can only assist in the financing.