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.Take a few extra minutes to review this instruction sheet and complete all sections of the complaint form. Document Everything Moving Forward: Keep detailed records of all interactions, payments, and correspondence with the lender from this point on. You can also file a complaint with your state attorney general or consumer protection office . How a repossession affects your credit. REPOSSESSIONS. COMPLAINTS. This pamphlet is meant to serve as a summary of your rights and responsibilities under this loan. By law do i have to make an appointment to retrieve my belongings or can i go up there and get access then and there? If you fall behind on your loan payments and can't keep up with them, you should contact your lender to talk about your options. File a Failure to Pay RentLandlord's Complaint (DCCV082).