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If you cannot locate him and he has secured property (the vehicle) you can tell the lender that he has taken off with the car and you do not know where it is and they can report it stolen to the police, since it is theft in NY to conceal a secured piece of property. You can also sue him for the vehicle, but you will have to find him to serve him with the suit or you would have to ask the court upon proof you tried all reasonable means to locate him to allow you to serve him by publication and then if he fails to answer the suit you can get a default judgment against him and when you find him you can enforce the judgment against him.
These are the legal options you have for this type of situation.
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