Complete this form and bring it with the license plates, if any, to any Motor Vehicles office. I just got a repossession letter and my landlord did not use the official form.Contact your lender, they are ultimately responsible for ensuring personal property found in a repossessed vehicle is returned to the debtor. Learn more about New York's repossession laws, what New York repo agents can and cannot do, and what happens after the car is taken away. Learn about repossession laws from the NYC Bar Legal Referral Service. Find an attorney in New York. When you default on your auto loan, your lender can call in the repo man. A default can happen as soon as you miss a payment. As in, the time it takes to process a vehicle. Consider this: your car gets repossessed in the middle of the night.