Repossession in Florida: Can You Cut a Key If Debtor Refuses?

In Florida, a creditor/repossession agent may have a key cut if the debtor refuses to surrender the vehicle, but only after obtaining a court order (writ of replevin).

Required Steps

1. Creditor files for writ of replevin in court.
2. Court issues order specifying vehicle (make/model/year/VIN), location, and authorizing entry & key cutting.
3. Agent executes order; may use reasonable force to enter property (but not breach peace).
4. If debtor interferes, agent may use reasonable force to protect self/vehicle; cannot assault.

Key Restrictions

• No "self-help" key cutting without court order—risks wrongful repossession, trespass, conversion claims.
• Florida Statutes § 679.609 (UCC) governs secured party rights; § 782.02 defines justifiable force.
• Local ordinances may add requirements.

Best practice: Hire a licensed FL repossession agency; let them handle legal process.