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.You can also file a complaint with your state attorney general or consumer protection office . While repossession does not involve a formal process in court, replevin consists of getting the court to order the consumer to return the vehicle to the lender. This article will tell you why and how they can do that, and what happens next. It will also tell you what you can do to keep a repo from happening. And, most state car repossession laws do not require lenders to give debtors any kind of notice before they repossess a vehicle. Some agencies will investigate your complaint. Others accept complaints so they can file a case against the company in the future. Document the repossession.