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The bank holds a lien on the title of the vehicle. If you default on the payments, they can reposses it. This is a civil issue, and is handled as such. Unauthorized use of a motor vehicle is a criminal charge which doesn't apply to a civil situation.

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βˆ™ 2011-09-13 00:54:31
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Q: How long in the state of Texas before the bank can press the charge of unauthorized use of a motor vehicle on a car that is on the repo list?
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What is the statute of limitations for unauthorized use of a motor vehicle in Texas?

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In Texas can Ford Motor Credit repossess a vehicle if it has been designated a charge off?

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