Missouri Car Repossession Laws: Auction Notification Requirements

Under Mo. Rev. Stat. § 400.9‑611, the secured creditor must mail written notice to the debtor at least 10 days before a public sale, including:

• Amount owed (principal, fees, interest)
• Vehicle description
• Date, time, place of sale

Additional Requirements

• Sale at a public place.
• Conducted by licensed auctioneer.
• Debtor receives written statement of proceeds.

Non‑compliance can invalidate the sale; debtor may reclaim vehicle or seek damages. Redemption before sale requires paying full debt plus repossession/storage costs.