New York Repossession Laws / Recovery Requirements

Quick Answers:


Where do I refer to for Title or License Registration?

For state Title and License Information, refer to:


New York Department of Motor Vehicles

Public Service Department

P. O. Box 2750

Albany, New York 12220


Telephone: (518) 486-4714.

Security Interests:

Shown on title held by lienholder.


Recording Requirements:

Per the Uniform Commercial Code (UCC) adopted in September, 1964: Must be filed in the city or town where mortgagor or buyer resides at time of execution of the document. If non-resident, then where property is located.

Recovery Requirements:

As per the UCC, repossession is allowed and permitted as long as it is peaceful.

Redemption Requirements:

No redemption after foreclosure and sale.

Deficiency Requirements:

Permitted if provided for by the mortgage. Retaking does not bar suit for price and vice-versa. Confession of judgment notes are permitted.

Special Motor Vehicle Provisions:

No provisions.

Documents Required to Transfer Ownership of Motor Vehicle:

Title in lienholder’s name and notarized Bill of Sale.


Documents Required for Liquidation:

If New York Title, must have a signed off MV-901 (notice of recorded lien) and a MV950 (combination bill of sale, odometer statement, affidavit of repossession). If out of state title, title must show lienholder as owner and a notarized bill of sale.



Remain with the owner / debtor. Plates must be sent to DMV if the owner does not accept them and sign for them when vehicle is repossessed. does not warrant the accuracy of these laws. The laws listed on are only a starting point for reference, and are not meant to be legal advice or a replacement for legal console. Please consult a repo company in your area, county, or state if you have any questions about repossession service there. All recovery requirements and fees are current as of 2002.

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