If your car is repossessed in New York, you can document the incident to protect yourself in case the repo agency mishandles the repossession. 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.The owner of the repossession company that took my car won't answer the phone, therefore I cannot get my personal belongings back. The following are the most common ways that we see finance companies and repossession agents breach the peace during a vehicle repossession. Complete this form and bring it with the license plates, if any, to any Motor Vehicles office. 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. Keep all notices and communications from the lender. Plaintiff asserts a number of claims for relief arising out of his arrest and the repossession of a vehicle in his possession. Depending on the circumstances, you may not be given a notice of the repossession.