The procedure is straight forward. The process of starting a replevin action usually begins with filing a complaint.This page will provide an overview of Virginia's Repossession Laws and what you should know if you've fallen behind on car payments. A licensee shall not repossess a motor vehicle securing a title loan prior to the date specified in the notice. In order to win a replevin case, the plaintiff must prove that he has a legal right to possess the property in question. 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. What will happen if a writ of replevin is issued against myself for a financed vehicle that I no longer have possession of? After several months (around 18 or so) my vehicle was yet to be repossessed. Virginia law requires a finance company that wants to seize a vehicle for loan nonpayment to follow certain procedures. A replevin can be filed at anytime if you are hiding the car and won't return it or they cannot find it.