If you borrowed money to buy or lease your car or truck, the business or bank that loaned you the money is called the "lender." You probably signed a contract about the loan with the lender. Most loan contracts for cars and trucks say that if the borrower "defaults" the lender can "repossess" the car or truck. "Default" means missing payments.
Most vehicle loan contracts say you default even if you only miss one payment.
Did you default? The lender can take your car or truck back without going to court. The lender doesn't have to tell you ahead of time that it's going to take back your car or truck. "Repossession" is when your lender takes back your car or truck.
You should avoid repossession if you can. If your lender repossesses your vehicle, it will probably sell it for a very low price. If your lender sells your car for less than it's worth, it will still try to make you pay the loan. You could lose your vehicle and still have to pay for it.