Can they put out a arrest warrant for you before they attempt to contact you or pick up the car?

Not unless you have commited a crime. Being in default on a loan is NOT a crime. Repomen/women CANT arrest anyone. IMHO, attempting to scare someone into giving up a vehicle is the LAZY way to do it. It would be INSULTING to me if a so called "recovery agent" tried that on me. roosta NO you cannot be arrested for non payment of your car loan period!! I agree that recovery agents (repomen) cannot arrest you. They are not peace officers. However, some states have laws directly relating to failing to return a vehilce that was financed. Try this one one for size, Arizona REVISED STATUTES TITLE 13. CRIMINAL CODE CHAPTER 22. BUSINESS AND COMMERCIAL FRAUDS