They want to take your car. You still have rights.

In 30 seconds, here's what's true

• If you've paid two-thirds (about 66%) or more of the total amount you owe under the agreement, the lender CANNOT repossess without first getting a court order. This is the law in Ontario.
• Below that two-thirds line, a lender usually doesn't need a court order. But they can never break the peace. No breaking into a locked garage. No force. No threats.
• Only the lender's own staff or a licensed bailiff can repossess. A tow operator can't take your car alone — they can only help while a bailiff is present.
• Repossession isn't the end of the bill. In Ontario the lender can sell the car AND sue you for the shortfall if the sale doesn't cover what you owe. That shortfall is called a 'deficiency'.
• Before they sell it, you can usually get the car back. You pay what's overdue plus costs, or pay the whole balance. And your personal belongings inside are always yours to keep.

How the process works

1. 1

   Check how much you've paid

   Add up everything you've paid. Compare it to the total cost of the agreement — the full financed amount, not just the sticker price. If you're at two-thirds or more, the lender needs a court order to take the car. Dig out your contract and payment records.

2. 2

   Talk to the lender before they act

   Lenders usually allow a few missed payments and would often rather work something out than repossess. Ask about catching up the arrears, a revised payment plan, or refinancing. Get any agreement in writing.

3. 3

   Know what a bailiff can and can't do

   A bailiff doesn't have to give notice ahead of time, unless your contract requires it. But they can't use force. They can't break into a locked garage. And they can't threaten you. If they break the peace, write down what happened.

4. 4

   If it's taken, ask about getting it back

   Before the car is sold, ask in writing for the exact amount to catch up the loan — the overdue payments plus reasonable costs — or to pay it off in full. The lender must sell it for a fair price and put the money toward your debt.

5. 5

   Get help and weigh your options

   Complain to Consumer Protection Ontario if a bailiff or lender breaks the rules. For the debt itself, a community legal clinic or a Licensed Insolvency Trustee can explain your options, like a consumer proposal or bankruptcy. Note that filing usually does NOT stop a car repossession.

What to do next

• Work out whether you've paid two-thirds or more of the total agreement.
• Read your contract for any notice or default terms before acting.
• Contact the lender about arrears, a new plan, or refinancing — in writing.
• Never let anyone into a locked garage; they can't break the peace.
• Remove and keep your personal belongings from the vehicle.
• Ask in writing for the amount to reinstate or redeem before any sale.
• Keep records of payments, letters, and any bailiff contact.
• Start a free PLAIN session to check your rights and plan next steps.

Common myths