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They cannot issue a warrant to have you arrested for non-payment of your car loan. Worst case: They have sent a repossession agent to retrieve the vehicle but you have hidden it and he cannot find it. If you avoid repossession for long enough and refuse to cooperate, the lender may get a court order (writ of replevna) demanding that you surrender the vehicle. This order will be delivered by the county sherrif, not the repo man. At this point, you will either allow them to take the car or be arrested for contempt of court. It is about 30-45 days

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Q: How long can you fall behind in your car payments before they can issue a warrant?
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