The following are the most common ways that we see finance companies and repossession agents breach the peace during a vehicle repossession. If the title is in your name and there is no lien holder, no one can legally take the car.The bill of sale is not necessary. Complete this form and bring it with the license plates, if any, to any Motor Vehicles office. File a complaint with the CFPB, FTC, and your state's attorney general to report a debt collector's FDCPA violations. This article covers how vehicle repossession works in New York state and what your rights are as a New Yorker. This file contains the official Landlord-Tenant Complaint form for Pennsylvania. You'll avoid the costs of repossession and a negative entry on your credit report. What can I do if I can't pay my student loan? Comment, "No judicial Repossession Reprisal in Need of Reform," 11 B.C. Ind. Comm. Rev.