Alabama Repossession – Recovery Across Alabama
Recovery agents working across all 67 counties in Alabama. If you are trying to recover your vehicle or need lender collateral recovery, our trained personnel can recover all types of collateral for businesses, credit unions, and private individuals. In our experience it’s best to work with a trained company who knows what they are doing.
Recover Your Repossessed Vehicle
You need to act now – Alabama law states you will have at least 10 days before the lender can sell your car; however, that time frame may be shorter.
What you need to do:
Immediately Contact Us to Confirm Your Vehicle’s Status.
Bring your loan current, plus expenses related to recovery and storage.
Provide valid identification and proof of insurance.
Complete the settlement (cash, certified funds, or agreed financing).
What are your rights: You can redeem your vehicle by paying the outstanding balance of the loan, plus all expenses incurred during the recovery process. Any personal property left in the repossessed vehicle must be returned to you at no expense.
Time is of the essence – your right to redeem your vehicle expires permanently once the time to sale period has ended. For Creditors & Lender Institutions
Recovery:
In-state 1 hour response
Advanced Skip technology and locate
Complete document and transfer assistance
Secure storage and transport
Recovery support
Why Work With Us?
Licensed recovery agents in all counties of Alabama
Peaceful recovery – no breach of peace violations
Full compliance and legality under Alabama’s UCC
Real time reports and complete documentation
Free consultations on complex recoveries.
Recovery Available
Vehicle Types:
Passenger Vehicle, truck, SUV, motorcycle
Boats and Marine items and gear
Commercial trucks and fleets
Construction and heavy equipment
Medical and specialty equipment
RVs, ATVs, and other recreational units
Skip technology and debtor research
Private party recoveries
Estate and bankruptcy recoveries
Cross-border movement coordination
Alabama Repossession Law:
Self-Help Recovery: Debtors can be recovered in a peaceful manner without obtaining a court order in Alabama which there’s no need for severe costs meaning creditors will be spending less time getting the debtor.
Peaceful Recovery: Recovery agents cannot breach the peace, use force, nor can they enter into a building or locked vehicles or garage without permission.
Notice: The debtor is entitled to receive at least 10 days written notice prior to a sale other than at a public sale including the amount of debt owed to the creditor and the time and place of sale.
Transfer Process: Must use Affidavit of Repossessed Motor vehicle (MVT 15-1), bill of sale must include odometer reading and any lien releases; dealer must retain original plates with this/sale.
Redemption rights: Debtors may redeem units by paying loan balance due, and other expenses, until debtor sells unit. Statewide Coverage Areas
Major Cities Covered:
Birmingham, Mobile, Montgomery, Huntsville, Tuscaloosa, Hoover, Dothan, Auburn, Decatur, Madison, Florence, Gadsden, Anniston, Prattville, Phenix City, Bessemer, Opelika, Vestavia Hills, Homewood, Alabaster
All 67 Counties:
From Jefferson and Mobile counties and even into rural areas, our network covers all counties in Alabama local knowledge and experience in legal.
Response & Experts
Getting you back on track:
Online credentialing system to verify with credit companies
24/7 dispatch and status reporting
GPS tracking and photo documenting
Secure storage facilities statewide
Transfer processing and paperwork assistance
Working with a Recovery Company
Communication is paramount – Whether you are a debtor seeking to redeem or a credit company utilizing recovery, clear communication can expedite the process. Our people will provide ongoing reporting, transparent pricing, and operate within the Alabama legal framework to protect all parties.
Proper documentation matters – Proper paperwork can expedite, rather than delay proceedings. We will take care of all Alabama DMV forms including the MVT 15-1 Affidavit for Repossessed Motor, lender releases, and ensuring all transfers are fulfilled per Alabama law. This protects credit companies from liability and provides debtors the chance to understand their options.
all units recovered are housed in secure, insured facilities located throughout Alabama. We take care of the inventory of property for return to the owners and document all required reporting for legal statis. Expenses accrue daily, which should make a resolution more in the best interest for everyone. Common Questions.
FAQ’s
How do I find out how much I must pay to redeem my vehicle?
You will have to pay the balance on the loan, as well as repossession costs, usually between $300 to $600, daily, and other costs that might be stated in your loan documents. Please contact us immediately, so we can give you a payoff that includes any and stop or lower additional costs.
How do repo companies find a car in Alabama?
Most vehicles are located within 24-48 hours of the repossession order via various forms of skip technology, and data searches. The time from recovery to location is determined by the actual debtor information and car information that the credit company gives us.
Can I make a payment to retrieve my car?
Payment options are determined by the creditor, not the recovery agent. However, we can put you in contact with your creditor, and you and we can explore with the creditor if you want to reinstate your loan, or make payments before the sale deadline date.
What happens to my personal belongings and items in the car?
Alabama law requires repo companies to inventory personal property and return it for free. Valuables are logged in an inventory and kept in seclusion. You can also get your things even if you do not get the car back.
Do credit companies have to go to court to repossess a vehicle in Alabama?
No, Alabama law allows for “self-help repossession” without court orders, as long as the recovery does not breach the peace, and is done peacefully. It can save the credit company a lot of time and money, compared to judicial repossession years ago.
New Resources and Information
Consumer loans information – Find out your rights in car loans and repossession in Alabama.
Lenders resources – Find the best information for credit companies and other financial institutions for recovery process and compliance.
Public records – Find Alabama repossession laws and consumer protection information from public record means.
Agent training – Staff are updated through training to maintain familiarity with Alabama laws and best practices with years of experience as well.
Alabama’s trusted recovery company – serving credit companies, banks, credit unions, and consumer throughout Alabama providing legal and efficient asset recovery.
Information is accurate as of 2025. Alabama repossession laws may change, and we recommend and have access to current statutes and legal representation for specific situations. Licensed recovery agents are available in every county in Alabama.
Resources
Alabama Uniform Commercial Code – Title 7, Article 9, Part 6 (Secured Transactions – Default and Enforcement)
https://alisondb.legislature.state.al.us/alison/CodeOfAlabama/1975/7-9A-601.htm (Note: In Alabama, the official citation uses “9A” for Revised Article 9, §7-9A-601 through and including §7-9A-628)
Alabama Motor Vehicle Division – Department of Revenue
https://revenue.alabama.gov/motor-vehicle
Alabama Repossession forms and requirements (form MVT 15-1)
https://revenue.alabama.gov/motor-vehicle/motor-vehicle-forms
(NOTE, Form MVT 15-1: Affidavit for Repossessed Motor Vehicle)
Federal Trade Commission (FTC) – Vehicle Repossession Consumer Guide
https://consumer.ftc.gov/articles/vehicle-repossession
Consumer Financial Protection Bureau (CFPB) – Auto loans and repossession
https://www.consumerfinance.gov/ask-cfpb/what-happens-when-a-lender-repossesses-my-vehicle-en-775
Alabama Legal Aid – Repossession Rights in Alabama
https://www.alabamalegalhelp.org/resource/consumer-rights
(NOTE: This is the general Consumer Rights Page with repossession information, both in this document and the resources linked, which you will search by that keyword. URLs used for general pages can change.)
Alabama State Bar – Consumer Information (Know Your Rights: Vehicle Repossession)
https://www.alabar.org/public/consumer-pamphlets
(NOTE: look for the pamphlet titled “Know Your Rights: Vehicle Repossession” on this page. Again, these pamphlets can have direct links that are usually PDFs and can change.)
Alabama Attorney General’s Office – Consumer Protection Division
https://www.alabamaag.gov/consumerprotection
(NOTE: You will mostly find repossession type information in their general consumer resources or related to complaints, etc. When you visit the website, search for repossession.)