Credit Infocenter

Vehicle Repossession Letter

Written by: Kristy Welsh

Use this repossession letter to dispute collection activity. 

The following is a sample vehicle repossession letter disputing collection activities associated with a deficiency from a motor vehicle repossession. Send a copy to EACH of these parties - collection agency and original creditor - via Certified Return Receipt Request. It may be used AFTER 2 years from the date of the repo sale, providing there has been no filed claim for a judgment. It should not be used if you have been sued, or if the repossession was less than 2 years ago.

This letter is part of our information on our automobile repossession article. We have other sample letters to handle a variety of credit situations. Here is the list.


Your Name
Your Address
City, State Zip

Collection Dept
City, State Zip

Name of Original Creditor
Address of OC

Name of Original Seller (car dealer)
Address of OS

Re: Acct # XXXX-XXXX-XXXX-XXXX (collection agency)
Re: Acct # XXXX-XXXX-XXXX-XXXX (original creditor)

Make of car:

To Whom It May Concern:

I am writing in regard to the above referenced accounts and transactions.

This vehicle was repossessed by (Original Creditor) in the State of (Your State) on or about, xx/xx/xxxx, and resold on or about xx/xx/xxxx.

Under the laws of the State of (State where car was repossessed) UCC (Your state's UCC code, you will need to look this up) and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.


Your Signature