Under Virginia law, "Borrowers shall be permitted to recover personal items from repossessed motor vehicles promptly and at no cost. A licensee shall not repossess a motor vehicle securing a title loan prior to the date specified in the notice.The procedure is straight forward. Virginia law requires a finance company that wants to seize a vehicle for loan nonpayment to follow certain procedures. 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. Use this repossession guide to protect your property. Have you borrowed money to buy property (like a car)? The process of starting a replevin action usually begins with filing a complaint. 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. This means that, in some cases, you'll be able to keep your vehicle or even get it back if it has already been towed or disabled.
