Current status
Say whether the vehicle is only threatened, currently hidden from the lender, or already repossessed.
Urgent intake guide
What to gather first when a vehicle is at risk of repossession.
Vehicle-driven files need the loan, insurance, and notice documents early. Start with the repossession or default papers, then keep building the same submission with income and household records.
01
Upload First
The vehicle records that usually matter most in a repossession intake.
- Repossession notice, right-to-cure letter, default notice, or other lender correspondence about the vehicle.
- Current vehicle loan statement and any payoff information you have.
- Proof of insurance, registration, title information, and purchase paperwork if available.
- Recent pay stubs, tax returns, and bank statements.
- Any deficiency, redemption, or reinstatement letters if the repossession already happened.
02
What To Explain
The details that usually matter when the timeline turns on keeping or recovering a vehicle.
Insurance
State whether current insurance is active, lapsed, or being reinstated.
Work reliance
If the vehicle is needed for work, childcare, or medical care, say that clearly when contacting the office.
Missing records
State whether the loan statement, purchase papers, or title documents are still being requested.
03
Related Pages
Use these related pages when the vehicle problem overlaps with other deadlines.
Chapter 13 guide
Use this page when the larger review depends on keeping the vehicle inside a structured repayment plan.
Foreclosure guide
If the file also includes a mortgage deadline, this page covers the records that matter first there.
Wage garnishment guide
If wages are also being taken, use the garnishment page so the payroll urgency is handled too.
Secure upload
Keep the repossession papers and the rest of the household financial records together in one file.
Dealing with a possible repossession?
Start with the vehicle loan and notice papers, contact the office, and keep building the same submission with the remaining financial records.