Member Service Center (707) 449-4000 or (800) 877-8328 Monday – Friday: 8 am – 7 pm (PDT) Saturday: 9 am – 5 pm Learn about repossession laws from the NYC Bar Legal Referral Service.Find an attorney in New York. But you must act quickly. In the Amended Complaint, Plaintiffs allege (among other things) that Defendant breached the retail installment sales contract. 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. This notice will give the driver or owner of the vehicle an opportunity to plead guilty to an appropriate charge. The repo agency then needs to get court approval to complete the repossession. Rigread Your Of "Travis-W!! You have auto loan on your vehicle.