To schedule an appointment call 803-326-1860. View current repossessions, request more information and submit offers.Call them up and make payment arrangements, however you might be liable for the repo fee. You have options as long as you have the vehicle. If you apply online, your application will be transferred to your local 1ˢᵗ Franklin Financial office where the loan decision will be made. 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. If you're worried about how to get out of debt, here are some things to know — and how to find legitimate help. They say if we return it it would count as a repossession on our credit. Would love to see someone else take on this situation!