RepoRant is NOT a legal service and is providing the following for informational purposes only.  This is NOT legal advice and you should always speak directly with a certified California lawyer to help you with any California Repossession Law decisions.

In California, repossession laws are governed very strictly by the BSIS, which is the Bureau of Security and Investigative Services.  They are responsible for issuing licenses for Repossession Companies, Private Investigation and various other areas.  Their primary purpose is to protect the consumers of California and ensure they are working with legitimate California Repossession Companies.

You can go to the BSIS to verify a Repossession Company License.

You can also file a complaint with the BSIS if you feel any California repossession laws have been broken in the repossession of your vehicle.

California Repossession Law states that your possessions can be repossessed under the following conditions:

·        Repossession in California can happen when you have signed an agreement while using the property as collateral for the loan.

·        If you fail to honor the loan agreement terms, then the property may be put up for repossession immediately.

·        The majority of lenders will have you acknowledge this in your loan papers, such as a car loan which could lead to California auto repossessions.

·        The majority of California Repossessions are car repossessions or truck repossessions, but can really be any California vehicle repossession that is encumbered with a loan.

·        This could include RV repossession, Motorcycle repossession, ATV repossession, Boat repossession, or even Airplane repossession in California.

·        While California vehicle repossession companies have many rights under the law to recover your vehicle, they do have to adhere to certain rules limiting how and where they can repossess your property.

·        California repossession agents may not enter your home uninvited to recover your property.

·        California repossession agents may not use violence in any way to repossess your vehicles, or other property.

·        Repossessions in California cannot happen when a repo agent has tricked you into bringing your vehicle into a shop and then repossessing it after you've left.

·        However, if you bring it in on your own, then the repo agent does have the right to come take your car or truck up for repo.

·        California repossession agencies do NOT need to notify you prior to repossessing your vehicle.

·        There does not have to be a court hearing in California in order for a lending company to repossess your car or truck.

·        Mortgage lenders are not able to repossess a house in California.

·        California repossession law requires that homes be placed into foreclosure and then auctioned if the loan cannot be paid.

How to get your California car, or truck repossession back from the repo agency after it has been repossessed:

·        California repossession laws dictate that a lender must mail all borrowers of a repossessed vehicle a notice stating that you have the right to retrieve (redeem) your car or truck once you have satisfied all of the outstanding issues related to the vehicle repossession.

·        The notice from the California repo company will inform you of when you must redeem your repossessed vehicle by before it is to be sold at auction.

·        You may be required by the lender to pay off the entire loan amount of the repossessed vehicle before getting the car or truck back.

·        California repossession laws do not allow you to file for bankruptcy to avoid repossession of your vehicle.

·        It is always advisable to contact a California certified attorney to help you with your decisions related to California repossession laws.

California repossession laws allow you to retrieve your personal belongings from your repossessed vehicle:

·        The California repossession company will inform you of how to retrieve any personal items from the repossessed vehicle.

·        California repossession laws allow repossession companies to remove all loose items from the car or truck and store them at cost to you.

·        You will be given an appointment with the California repossession company to come redeem your property and/or your repossessed vehicle.

·        If the California repossession company does not allow you the opportunity to retrieve your property which was located in the repossessed car or truck, then you may contact the lender who you received the loan from and inform them what items you need back.

If you don't pay for your California repossessed vehicle, it may be sold at auction:

·        California repossession laws allow the lender to sell your repossessed vehicle at auction if you do not redeem it by their deadline.

·        After the sale of your car repossession, the lender will send you another notice informing you what your repossessed vehicle sold for.

·        The notice will inform you what the balance is between what you owed on the repossessed vehicle and what it was sold for at auction.

·        California repossession laws allow the lender to collect the remaining difference from you if the auction price of the repossessed car or truck did not cover the full balance of the loan.

You have options under California repossession laws if the lender tries to collect the loan balance from you:

·        If the lender sues you for the balance of the loan on your repossessed car or truck, you may have valid defenses and/or counterclaims to what they are suing you for.

·        Be sure to review all California repossession laws first.

·        If by California repossession law you find that the lender and/or the California repossession company did not properly inform you via written notice of your rights and deadlines/fees, then you may have a claim against them.

·        California repossession laws also protect you from the unreasonable sale of your repossessed vehicle at auction.

·        This means that if your repossessed vehicle is sold well under the appropriate auction value, then you may not be responsible for the full balance against your loan.

As always, be sure to contact a certified California lawyer to help you with all California Repossession Laws.



At RepoRant, we will give you information on the newest and top of the line equipment in combo with all of the old tricks used to pick up repossessions in California. We have information on Car Repossessions, Truck Repossessions, SUV Repossessions, as well as RV repossessions, Motorcycle repossessions, ATV repossessions, Personal Watercraft repossessions, and every other type of collateral recovery in California.


Time is money and we pride ourselves in helping you resolve your California Area Repossession cases with timely and accurate California repossession law information. You deserve to know your rights to help deal with your vehicle being repossessed.