The car repossession procedure is usually the last resort after a lender has made every effort to reach out to the borrower. The ideal situation for both parties would be to reach some kind of a payment arrangement. This is due in part because of the considerable cost in repossessing a car. Here is a link to car repossession procedures
. http://www.ehow.com/how-does_5409413_car-repossession-procedures.html.