This article covers how vehicle repossession works in New York state and what your rights are as a New Yorker. 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."My Car Was Repossessed! After some research I see the company that ordered to have my car repossessed retitled the car in July of 2023 and placed the lien in August of 2023. There are three expert tactics that can really help you to permanently remove them. Complete this form and bring it with the license plates, if any, to any Motor Vehicles office. You can also file a complaint with your state attorney general or consumer protection office . How a repossession affects your credit. If your car is up for repossession, contact your lender immediately to discuss your situation. Customer: My car was just repossessed I'm only 9 days late on my payment and it's only my first month with it.