New Jersey repossession services can take your car at any time once you're in default. They don't have to give you prior warning or notice.Learn about repossession laws from the NYC Bar Legal Referral Service. Find an attorney in New York. Call (732) 709-7277 - Jonathan Rudnick is dedicated to serving our clients with a range of legal services including Consumer Protection and Lemon Law cases. 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. Connecticut Department of Banking. But you must act quickly. This article covers how vehicle repossession works in New York state and what your rights are as a New Yorker.