Legal Question in Credit and Debt Law in Virginia

Re: loan default

You would then need to have the debtor

endorse the title to the vehicle over to you(assuming that that has not already been done)and then you would ask for the vehicle and any amounts over and above its fair market value which are still owed to you under the loan.

If the debtor failed to oblige your requests, then you would likely be looking at a lawsuit in the general district court and a repoman to bring you the vehicle, if you had a properly endorsed title.