Really?

Over here in Germany refusing to return items which someone contractually entrusted you is a misdemeanor. You would be treated like, say, a car repair shop who refuses to return your car you entrusted them to repair.

This differs from not paying debt, in that case you are legally in possession (not ownership though!) of whatever indebted item so the only recourse is a civil lawsuit. Besides, repossession can only be done through a court-ordered official:

Due to the state's monopoly on the use of force, foreclosure may only be carried out by state foreclosure bodies, such as bailiffs. With the exception of permitted self-help, unauthorized foreclosure by the creditor is prohibited and is generally unlawful as vigilante justice.

This translation sucks btw, the term "foreclosure" is inaccurate because it refers to a court ordered official either seizing money/stocks/investments and/or physical valuables (valuables = items not required for a modest lifestyle such as jewelry, designer clothes, fancy non-IKEA furniture etc) or foreclosing your property. In case of specific debt like your car they would probably seize that instead unless you demonstrate you rely on it to get to work unless it could be substituted with a cheaper car which would then be provided in exchange.