This page will provide an overview of Virginia's Repossession Laws and what you should know if you've fallen behind on car payments. 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.A licensee shall not repossess a motor vehicle securing a title loan prior to the date specified in the notice. The process of starting a replevin action usually begins with filing a complaint. If a car loan lender can't repossess a vehicle, it will probably get possession of the car through a process called "replevin." If you don't make your car payments on time, your lender might have the right to take your car without going to court or telling you first. Use this repossession guide to protect your property. Have you borrowed money to buy property (like a car)? How Boleman Law Can Help You. Vehicle repossession laws in Virginia are fairly simple.