This article covers how vehicle repossession works in New York state and what your rights are as a New Yorker. Complete this form and bring it with the license plates, if any, to any Motor Vehicles office.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. If you are outside of Nassau County, NY and have an emergency, dial our main number (516) 573-8800. You can also file a complaint with your state attorney general or consumer protection office . How a repossession affects your credit. If you're behind on car payments, learn about voluntary repossession of a car in Florida and whether this option is right for you.