Documents a Repossession Agent Must Carry (U.S. General)

Vehicle repossession agents ("repo men") must carry specific documentation to legally seize a vehicle. Requirements vary by state, but universally include:

1. Repossession Order / Authorization

• Issued by lender (not court, in most states — self-help repossession under UCC §9-609).
• Must identify: debtor name, vehicle (VIN, make, model, year), loan/account number, agent authorization.
• Some states require court order (e.g., Wisconsin, Louisiana for certain cases).

2. Proof of Security Interest

• Original or copy of signed security agreement / loan contract granting lien on vehicle.
• Or: Certificate of Title showing lender as lienholder.
• Or: Power of Attorney from lender to agent.

3. Agent Credentials

• State license/registration (where required: CA, FL, TX, IL, NV, etc.).
• Company ID, driver's license.
• Insurance (liability, cargo).

4. Affidavit of Repossession (Post-Seizure)

• Signed by agent after taking possession.
• States: date/time/location, vehicle details, VIN, condition, inventory of personal property inside.
• Given to debtor (if present) or mailed within statutory period (often 24–48 hrs).

5. Notice of Right to Redeem / Reinstate (Post-Seizure)

• Must be sent to debtor per state law (UCC §9-611).
• States: amount to pay, deadline, where to pay, right to demand accounting.

Critical Rules

• No breach of peace: Cannot enter locked garage, use force, threaten, involve police in seizure.
• Personal property: Must inventory and return debtor's belongings (not affixed to vehicle).
• Deficiency: After sale, lender may sue for balance (if allowed by state).

Debtor rights vary significantly by state — consult a consumer attorney immediately if repossessed.