If my stepson is taken to court because of missed car payments, what will they try to get from him?

My stepson is being taken to court because of 3-4 missed payments on a 2001 Suzuki Gran Vitara. He bought it used in 2004 with 18,000 miles on it. If they wanted to repo it, wouldn’t they just do it–or is a court date required first? Is it possible that the car is too old [...] http://bit.ly/oEemHB