In general, who would execute a repossession of a car 'over there'? Over here the bank (it would typically be a bank) would hire a collection agency in case of any missed payments. However such agency would simply send out reminders, and perhaps try and reason with the debtor. In case the debtor still refuses (or simply can't) pay, the agency will then hand over the case to the 'Enforcement Authority' for execution. As the name suggests this is a government agency with authority to siphon through your bank accounts, come to your home, seize your salary, etc. They are also the ones who administer the 'Records for payment default' which is exactly what the name suggests. So 'over here' the 'Enforcement Authority' will do the repossession practically.