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Can a car be repoed after 7 years?

Yes, a car can be repossessed after 7 years, or even longer, if you are in default on your auto loan. The length of time you've owned the car is irrelevant to the repossession process. The only factor that matters is whether you are current on your loan payments as stipulated in your loan agreement. If you fall behind on payments, the lender has the right to repossess the vehicle regardless of how long you've had it.
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