In the case of a car that is in a body shop, the body shop may have a lien on the car for the work that has been done. This lien gives the body shop the right to retain possession of the car until the owner pays for the repairs. If the finance company wants to repossess the car, it may need to pay off the body shop's lien first.
It is important to note that the laws governing repossession vary from state to state, so it is best to consult with a local attorney or legal professional to understand your rights and options.