Complete this form and bring it with the license plates, if any, to any Motor Vehicles office. This article covers how vehicle repossession works in New York state and what your rights are as a New Yorker.The lender or leaseholder can repossess the car even if you are only a few weeks behind in your payments and even without any notice to you. If your car is repossessed, the lender must give you certain notices after the repossession and after it sells the car. The right of repossession belongs to the person or company that holds the title to the vehicle. Usually that's the finance company. If you don't make your car payments on time, your lender might have the right to take your car without going to court or telling you first. Properly completed Repossession Affidavit. Tribal Repossession Titles and Oklahoma Tax Commission Motor Vehicle Division (August 19, 2002). Complete this form and bring it with the license plates, if any, to any Motor Vehicles office.