This article covers how vehicle repossession works in New York state and what your rights are as a New Yorker. Learn about repossession laws from the NYC Bar Legal Referral Service.Find an attorney in New York. Complete this form and bring it with the license plates, if any, to any Motor Vehicles office. The law would require they give you a 10-day notice before selling the vehicle at auction. If your car is repossessed, the lender must give you certain notices after the repossession and after it sells the car. I have recently sent a letter for repossession for nonpayment and breach of contract, I have given the person 15 days. You moved in as a tenant before the mortgage was taken out. Was the sale handled in a commercially reasonable manner, e.g. , advertising for bids, contacting various dealers, etc.?