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Car repossession is the process of taking back ownership of a vehicle from the borrower who has fallen behind on loan payments. This typically happens when the borrower has defaulted on their auto loan and is unable to catch up on their payments. The lender will send a repo agent to take possession of the vehicle and sell it in order to recoup their losses. Car repossession can have a negative impact on the borrower's credit score and ability to obtain future loans.

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