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 article covers how vehicle repossession works in New York state and what your rights are as a New Yorker.You can also file a complaint with your state attorney general or consumer protection office . The court found that a lender who repossesses a vehicle before a borrower files for bankruptcy is not in violation of the "exercise control" provision. Complete this form and bring it with the license plates, if any, to any Motor Vehicles office. Generally, cars are repossessed once payments are 90 days in default. Just don't expect lenders to give you a heads-up when the Repo Man will come calling. File a Vehicle or Boat Repossession Complaint. Finally, ensure that the form is notarized after completion. imageSign. How to fill out the Affidavit of Repossession for Motor Vehicle Title?