1. Send a written demand for payment to the borrower. The demand must state the amount of the debt, the date by which it must be paid, and the consequences of failing to pay.
2. If the borrower does not pay the debt within the specified time, you may file a replevin action in small claims court. The replevin action is a civil lawsuit that asks the court to order the return of the vehicle to you.
3. Once you have filed the replevin action, you must serve the borrower with a summons and complaint. The summons and complaint will inform the borrower of the lawsuit and the date of the court hearing.
4. At the court hearing, you will need to present evidence that you are the title holder of the vehicle and that the borrower has defaulted on the loan. If you are successful, the court will order the borrower to return the vehicle to you.
5. If the borrower does not return the vehicle, you may be able to obtain a writ of possession from the court. The writ of possession will authorize you to use reasonable force to take possession of the vehicle.
It is important to note that you may only repossess a vehicle if you are the title holder. If you are not the title holder, you must get the written permission of the title holder before you can repossess the vehicle.
Additionally, you may only repossess a vehicle in a peaceful manner. You cannot use force or violence to take possession of the vehicle. If you do, you may be liable for damages.
