This article covers how vehicle repossession works in New York state and what your rights are as a New Yorker. Complete this form and bring it with the license plates, if any, to any Motor Vehicles office.The following are the most common ways that we see finance companies and repossession agents breach the peace during a vehicle repossession. The first thing you need to do is call your finance company. A creditor can repossess only if you signed an agreement making the property collateral. You must also have failed to comply with the written agreement. The notice must have a form you can fill out and send back to request the extension. Find out if you can get your repossessed car back. It provides instructions on filling out the form and required documentation. Many financing contracts allow for a repossession if, in the opinion of the lender, you may not be able to make future payments.