Vehicle Repossession Letter

Advertising Disclosure

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: the collection agency and the original creditor – via Certified Return Receipt Request.

The letter may be used AFTER 2 years from the date of the repossession sale, as long as 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.

The letter requires you to include the Uniform Commercial Code (UCC) for your state and/or the state where it was repossessed. You can find those UCC codes in our article Automobile Repossession Laws by State.


Your Full Name
City, State, ZIP

Collection Agency Name
City, State Zip

Name of Original Creditor
City, State Zip

Name of Original Seller (car dealer)
City, State Zip

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

Make of car:
VIN Number:

To Whom It May Concern:

I am writing concerning 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 the car was repossessed) UCC (The state’s UCC code) and State RISA and MVISA statutes, a deficiency cannot 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.

Additionally, 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 remedies.

Your Name

Click for ProTips
1. Note that the required response time is reduced to 15 days. Once this letter goes out, mark your calendar and if you do not receive a response within 20 days (give a few days for mail delivery), then respond with Letter #8.
2. Late Payment, round 1 asks the credit bureau to verify the accuracy of the late payment. This round 2 letter asks the credit bureau to specify the method used to verify the accuracy. While this letter doesn’t usually result in a late payment being removed, it is a necessary step in the dispute process.
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