Hello - I purchased a car for my sister in law and now she has defaulted on written agreement. Do I have to take her to civil court or can I repossess the vehicle (by having it towed)? I am the lein holder and have the title to vehicle. I am just confused now that she is two months behind and refuses to pay monies or give back vehicle. My question is Can I legally just take the car (by having it towed or just getting in it and driving back to my home). Like I said I am like the bank and hold the title. She still owes us approximately &19,000.00 and has defaulted on our WRITTEN agreement. Thanks for you help!!