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. If you default on your car loan payments, the lender can take your car back through repossession or replevin.Learn the difference. Complete this form and bring it with the license plates, if any, to any Motor Vehicles office. 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. If a car loan lender can't repossess a vehicle, it will probably get possession of the car through a process called "replevin." The contracts that you generate will be either a pre computed contract or a simple interest contract.