If you default on your car loan payments, the lender can take your car back through repossession or replevin. Learn the difference.If a car loan lender can't repossess a vehicle, it will probably get possession of the car through a process called "replevin." Before the hearing, you can answer the lender's complaint in the replevin action, although you probably will have only a short time to respond. Complete this form and bring it with the license plates, if any, to any Motor Vehicles office. I just heard someone say "If your car is getting repossessed, jump in the car because they can't legally tow it and police can't stop it. Before you would make any payments, you would want to make sure that the plaintiff agrees to withdraw the complaint and files papers in court to withdraw it. Replevin is the common law cause of action for recovering personal property wrongfully withheld from its rightful owner. If you cannot repossess it peacefully, a legal remedy called a replevin may be your best recourse. If you cannot repossess it peacefully, a legal remedy called a replevin may be your best recourse.