Repossession of a vehicle is an unfortunate situation too many Americans face. If a borrower fails to make timely payments for a car loan the lender may begin the repossession process. See Florida Statute 537.012. For many people, cars are essential to getting to and from work, school, or other obligations and a repossession can have devastating consequences. Moreover, missed payments can lead to the bank initiating repossession without even providing notice to the borrower. If you received threats of a repossession contact a bankruptcy attorney for legal advice right away. An experienced attorney may be able to prevent the car from being repossessed and help you keep your car.