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Someone has to take possession of the car. That might be you, the repoman or the cops. Send them a certified letter(return recpt) demanding they return YOUR car in 3 days. When the 3 days has passed, if no car, go to the cops and report it stolen. They no longer have your permission to borrow your car. Consult with a LOCAL attorney for state/case specific advice.

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Q: If you own a car and some one else has it and won't pay for it how can you get it back?
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