Complete this form and bring it with the license plates, if any, to any Motor Vehicles office. This article covers how vehicle repossession works in New York state and what your rights are as a New Yorker.If you don't make your car payments on time, your lender might have the right to take your car without going to court or telling you first. If your car is repossessed, the lender must give you certain notices after the repossession and after it sells the car. 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 the bank puts a repo order out…they WILL find your car. It's only a matter of time. You can sometimes reinstate the loan and work out a new payment plan, too. Was the sale handled in a commercially reasonable manner, e.g.