In Washington state How long do you have before they can come repo your car?

In Washington state, a creditor can generally repossess your car if you are:

- More than 10 days late on your car payment or;

- In default on your loan contract.

To repossess a car, the creditor must:

- Give you written notice of the default and intent to repossess at least 10 days before repossession.

- Serve you with the notice in person or send it to you by registered or certified mail, return receipt requested.

- Include the total amount of your debt, including principal, interest, late fees, and other charges in the notice.

- Describe your car and its location in the notice.

Additionally, the creditor may not repossess your car if you:

- Pay the entire delinquent amount before repossession.

- Reach an agreement with the creditor to repay the debt.

- Get a court order prohibiting repossession.

Finally, the creditor must provide you with a written statement within 24 hours of repossession that includes the:

- Creditor's name, address, and telephone number.

- Date, time, and location of the repossession.

- Description of your car.

- Total amount of your debt.

- Explanation of your rights, including your right to redeem the car.

If you have any questions about repossession laws in Washington state, you can contact the Washington State Attorney General's Office at 1-800-551-4636 or visit their website at www.atg.wa.gov.