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.This file contains the official Landlord-Tenant Complaint form for Pennsylvania. Repossession is a self-help remedy available to creditors that allows them to take possession of the car; the creditor doesn't have to sue you first. I need help reclaiming my wrongfully repossessed car. I got the vehicle in January 2023 and set up automatic payments. The owner of the repossession company that took my car won't answer the phone, therefore I cannot get my personal belongings back. If they repossess items not listed in the contract, Hoani can report them to the Commerce Commission, and may be able to get help from Community Law. Complete this form and bring it with the license plates, if any, to any Motor Vehicles office. If you fall behind on your loan payments and can't keep up with them, you should contact your lender to talk about your options.