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When you finance or lease a car, truck or other vehicle, you usually give the creditor an interest in the vehicle to secure the loan debt. This interest allows the creditor to take your vehicle when you have missed loan payments and have not resolved the problem by contacting the creditor to work out an alternative payment arrangement. When the creditor takes your vehicle, it is called a "repossession." The creditor can repossess your vehicle without going to court and without prior notice unless your security agreement requires notice.