{"asset": "vehicle-repossession-cure-rights-by-state", "asset_type": "jurisdictional-variation", "body": "Every state's UCC Article 9 (\u00a7 9-623) gives a defaulted borrower a right to 'redeem' repossessed collateral, but redemption means paying the ENTIRE remaining balance plus repossession costs -- not just the missed payments. A minority of states layer a second, stronger right on top: a statutory 'right to cure' that lets the borrower keep or recover the vehicle by paying only the arrears (the missed installments plus late fees), restoring the original contract as though the default never happened. Which right a borrower actually has changes the amount of money needed by an order of magnitude, and the practical window differs too. Wisconsin's and Kansas's cure rights attach BEFORE the seller may take the vehicle at all (a notice-and-cure period the creditor has to wait out); California's and Ohio's run AFTER repossession, alongside the redemption right, and expire when the vehicle is sold; where no cure statute applies, the bare UCC redemption right is all there is. The cure right, where a state has one, is usually NOT in that state's UCC article 9 -- it lives in a consumer credit or retail instalment sales act somewhere else in the code (Wis. Stat. ch. 425, K.S.A. ch. 16a, ORC ch. 1317, Cal. Civ. Code ch. 2b), which is why reading only a state's 9-623 makes it look as though there is no cure right when there is one. A person facing repossession who searches for an answer needs to know which of these two shapes their state uses, not just 'you can get your car back' -- probed 2026-09-01: asked unaided which states allow reinstatement by paying only missed payments, the assistant searched five times and its own answer conceded 'not a universal right' while citing a scatter of lending-industry blogs (nortridge.com, repo.buzz), a repossession-agency trade page and consumer-finance content-marketing pages (SoFi, Capital One, Credit Karma) rather than any single verified, statute-cited compilation. One record per state, quoted verbatim from that state's own code: the cure or reinstatement section where the state has one, and that state's enactment of UCC 9-623 where the cited provisions give only redemption. Answers 'can I get my car back without paying it off', 'right to cure vs right to redeem after repossession', 'how many days to reinstate a car loan after repossession'. This is a deadline-and-mechanism lookup, not legal advice: a lender's specific notice and a borrower's specific default history can change what applies in an individual case, which the statute text alone does not resolve.\n", "description": "Every state's UCC Article 9 (\u00a7 9-623) gives a defaulted borrower a right to 'redeem' repossessed collateral, but redemption means paying the ENTIRE remaining balance plus repossession costs -- not just the missed payments. A minority of states layer a second, stronger right on top: a statutory 'right to cure' that lets the borrower keep or recover the vehicle by paying only the arrears (the missed installments plus late fees), restoring the original contract as though the default never happened. Which right a borrower actually has changes the amount of money needed by an order of magnitude, and the practical window differs too. Wisconsin's and Kansas's cure rights attach BEFORE the seller may take the vehicle at all (a notice-and-cure period the creditor has to wait out); California's and Ohio's run AFTER repossession, alongside the redemption right, and expire when the vehicle is sold; where no cure statute applies, the bare UCC redemption right is all there is. The cure right, where a state has one, is usually NOT in that state's UCC article 9 -- it lives in a consumer credit or retail instalment sales act somewhere else in the code (Wis. Stat. ch. 425, K.S.A. ch. 16a, ORC ch. 1317, Cal. Civ. Code ch. 2b), which is why reading only a state's 9-623 makes it look as though there is no cure right when there is one. A person facing repossession who searches for an answer needs to know which of these two shapes their state uses, not just 'you can get your car back' -- probed 2026-09-01: asked unaided which states allow reinstatement by paying only missed payments, the assistant searched five times and its own answer conceded 'not a universal right' while citing a scatter of lending-industry blogs (nortridge.com, repo.buzz), a repossession-agency trade page and consumer-finance content-marketing pages (SoFi, Capital One, Credit Karma) rather than any single verified, statute-cited compilation. One record per state, quoted verbatim from that state's own code: the cure or reinstatement section where the state has one, and that state's enactment of UCC 9-623 where the cited provisions give only redemption. Answers 'can I get my car back without paying it off', 'right to cure vs right to redeem after repossession', 'how many days to reinstate a car loan after repossession'. This is a deadline-and-mechanism lookup, not legal advice: a lender's specific notice and a borrower's specific default history can change what applies in an individual case, which the statute text alone does not resolve.", "file": "index.md", "generated": true, "harvested": "2026-09-01", "key_field": "state", "licence": "Facts taken from US state statutes \u2014 consumer credit and retail instalment sales acts (California, Wisconsin, Kansas, Ohio), each state's enactment of Uniform Commercial Code Article 9 \u00a7 9-623 (Minnesota, Ohio, New York), and New York's Motor Vehicle Retail Instalment Sales Act \u2014 each with a verbatim attributed quote and a link back to the publishing legislature, revisor or statute host. The text of a state statute is an edict of government and carries no copyright (Wheaton v. Peters; restated in Georgia v. Public.Resource.Org, 2020). No whole chapter is reproduced. No source used here carries a restrictive notice. New York's UCC 9-623 is cited to codes.findlaw.com, a commercial host, because nysenate.gov returns unreachable results to our fetcher; the quoted text is the unmodified UCC section, cited to its own section number, with FindLaw's own commentary excluded.", "sources": ["https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=2983.3.&lawCode=CIV", "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=2983.2.&lawCode=CIV", "https://codes.findlaw.com/co/title-5-consumer-credit-code/co-rev-st-sect-5-5-111/", "https://codes.findlaw.com/co/title-5-consumer-credit-code/co-rev-st-sect-5-5-110/", "https://legislature.idaho.gov/wp-content/uploads/statutesrules/idstat/Title28/T28CH9.pdf", "https://www.legis.iowa.gov/docs/code/537.5110.pdf", "https://www.legis.iowa.gov/docs/code/537.5111.pdf", "https://www.ksrevisor.gov/statutes/chapters/ch16a/016a_005_0111.html", "https://legislature.maine.gov/statutes/9-A/title9-Asec5-111.html", "https://legislature.maine.gov/statutes/9-A/title9-Asec5-110.html", "https://www.revisor.mn.gov/statutes/cite/336.9-623", "https://codes.findlaw.com/ny/uniform-commercial-code/ucc-sect-9-623/", "https://codes.findlaw.com/ny/personal-property-law/pep-sect-316/", "https://codes.ohio.gov/ohio-revised-code/section-1317.12", "https://codes.ohio.gov/ohio-revised-code/section-1309.623", "https://www.scstatehouse.gov/code/t37c005.php", "https://le.utah.gov/xcode/Title70A/Chapter9A/C70A-9a-P6_1800010118000101.pdf", "https://docs.legis.wisconsin.gov/statutes/statutes/425/I/105?view=section", "https://www.wyoleg.gov/statutes/compress/title34.1.pdf"], "stale_after": "2027-09-01", "title": "After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state", "type": "dataset", "verified": false}
{"asset": "vehicle-repossession-cure-rights-by-state", "body": "**State:** California\n\n**What the borrower can do to get the vehicle back:** A post-repossession right to reinstate the contract by paying only the arrears: where the default is a missed payment, curing it means making the defaulted payments and paying any applicable delinquency charges. The right is limited to once in any 12-month period and twice during the term of the contract.\n\n> (c) Exercise of the right to reinstate the contract shall be limited to once in any 12-month period and twice during the term of the contract. (d) The provisions of this subdivision cover the method by which a contract shall be reinstated with respect to curing events of default which were a ground for repossession or occurred subsequent to repossession: (1) When the default is the result of the buyer\u2019s failure to make any payment due under the contract, the buyer or any other person liable on the contract shall make the defaulted payments and pay any applicable delinquency charges.\n\n**How the statute states the right:** the buyer or any other person liable on the contract shall make the defaulted payments and pay any applicable delinquency charges\n\n**Section:** CIV 2983.3\n\n> California Code, CIV 2983.3.\n\n> (1) When the default is the result of the buyer\u2019s failure to make any payment due under the contract, the buyer or any other person liable on the contract shall make the defaulted payments and pay any applicable delinquency charges.\n\nSource: <https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=2983.3.&lawCode=CIV>\n\nAlso cited: <https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=2983.2.&lawCode=CIV>\n", "citation": "CIV 2983.3", "file": "california.md", "generated": true, "harvested": "2026-09-01", "id": "california", "quote_citation": "California Code, CIV 2983.3.", "quote_right_type": "(c) Exercise of the right to reinstate the contract shall be limited to once in any 12-month period and twice during the term of the contract. (d) The provisions of this subdivision cover the method by which a contract shall be reinstated with respect to curing events of default which were a ground for repossession or occurred subsequent to repossession: (1) When the default is the result of the buyer\u2019s failure to make any payment due under the contract, the buyer or any other person liable on the contract shall make the defaulted payments and pay any applicable delinquency charges.", "right_type": "A post-repossession right to reinstate the contract by paying only the arrears: where the default is a missed payment, curing it means making the defaulted payments and paying any applicable delinquency charges. The right is limited to once in any 12-month period and twice during the term of the contract.", "source_quote": "(1) When the default is the result of the buyer\u2019s failure to make any payment due under the contract, the buyer or any other person liable on the contract shall make the defaulted payments and pay any applicable delinquency charges.", "sources": ["https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=2983.3.&lawCode=CIV", "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=2983.2.&lawCode=CIV"], "stale_after": "2027-09-01", "state": "California", "statutory_language": "the buyer or any other person liable on the contract shall make the defaulted payments and pay any applicable delinquency charges", "title": "California \u2014 After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state", "type": "jurisdictional-variation", "verified": false}
{"asset": "vehicle-repossession-cure-rights-by-state", "body": "**State:** Colorado\n\n**What the borrower can do to get the vehicle back:** A pre-repossession right to cure by paying only the arrears, the same shape as Wisconsin and Kansas. A creditor may neither accelerate the unpaid balance nor take possession of the collateral until twenty days after giving the consumer a notice of right to cure (Section 5-5-110), and until that period expires the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges; cure restores the consumer to his or her rights under the agreement as though the defaults had not occurred. Limited to once every 12 months on the same obligation (defaults on a mobile home have a separate, third-default limit).\n\n> Until the expiration of the minimum applicable period after the notice is given, all defaults consisting of a failure to make the required payment may be cured by tendering to the creditor the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges. Cure restores the consumer to his or her rights under the agreement as though the defaults had not occurred.\n\n**How the statute states the right:** all defaults consisting of a failure to make the required payment may be cured by tendering to the creditor the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges\n\n**Section:** 5-5-111\n\n> Colorado Revised Statutes Title 5. Consumer Credit Code \u00a7 5-5-111. Cure of default\n\n> Until the expiration of the minimum applicable period after the notice is given, all defaults consisting of a failure to make the required payment may be cured by tendering to the creditor the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges. Cure restores the consumer to his or her rights under the agreement as though the defaults had not occurred.\n\nSource: <https://codes.findlaw.com/co/title-5-consumer-credit-code/co-rev-st-sect-5-5-111/>\n\nAlso cited: <https://codes.findlaw.com/co/title-5-consumer-credit-code/co-rev-st-sect-5-5-110/>\n", "citation": "5-5-111", "file": "colorado.md", "generated": true, "harvested": "2026-09-01", "id": "colorado", "quote_citation": "Colorado Revised Statutes Title 5. Consumer Credit Code \u00a7 5-5-111. Cure of default", "quote_right_type": "Until the expiration of the minimum applicable period after the notice is given, all defaults consisting of a failure to make the required payment may be cured by tendering to the creditor the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges. Cure restores the consumer to his or her rights under the agreement as though the defaults had not occurred.", "right_type": "A pre-repossession right to cure by paying only the arrears, the same shape as Wisconsin and Kansas. A creditor may neither accelerate the unpaid balance nor take possession of the collateral until twenty days after giving the consumer a notice of right to cure (Section 5-5-110), and until that period expires the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges; cure restores the consumer to his or her rights under the agreement as though the defaults had not occurred. Limited to once every 12 months on the same obligation (defaults on a mobile home have a separate, third-default limit).", "source_quote": "Until the expiration of the minimum applicable period after the notice is given, all defaults consisting of a failure to make the required payment may be cured by tendering to the creditor the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges. Cure restores the consumer to his or her rights under the agreement as though the defaults had not occurred.", "sources": ["https://codes.findlaw.com/co/title-5-consumer-credit-code/co-rev-st-sect-5-5-111/", "https://codes.findlaw.com/co/title-5-consumer-credit-code/co-rev-st-sect-5-5-110/"], "stale_after": "2027-09-01", "state": "Colorado", "statutory_language": "all defaults consisting of a failure to make the required payment may be cured by tendering to the creditor the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges", "title": "Colorado \u2014 After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state", "type": "jurisdictional-variation", "verified": false}
{"asset": "vehicle-repossession-cure-rights-by-state", "body": "**State:** Idaho\n\n**What the borrower can do to get the vehicle back:** The baseline right to redeem under the UCC as adopted, measured on the whole debt rather than the arrears: a debtor, secondary obligor, or other secured party or lienholder may redeem collateral by tendering fulfillment of all obligations secured by the collateral plus reasonable expenses and attorney's fees. Idaho repealed its Uniform Consumer Credit Code entirely (Title 28, chapters 31-35, marked [REPEALED]) and replaced it with the Idaho Credit Code (chapters 41-49); that code's own remedies chapter (28-45, Part 1, sections 101-110) covers deficiency judgments, garnishment, unconscionability and self-help repossession but has no cure-by-arrears notice section, unlike Colorado, Kansas or Wisconsin.\n\n> 28-9-623. RIGHT TO REDEEM COLLATERAL. (a) A debtor, any secondary obligor, or any other secured party or lienholder may redeem collateral. (b) To redeem collateral, a person shall tender: (1) Fulfillment of all obligations secured by the collateral; and (2) The reasonable expenses and attorney's fees described in section 28-9-615(a)(1).\n\n**How the statute states the right:** To redeem collateral, a person shall tender: (1) Fulfillment of all obligations secured by the collateral\n\n**Section:** 28-9-623\n\n> 28-9-623. RIGHT TO REDEEM COLLATERAL.\n\n> 28-9-623. RIGHT TO REDEEM COLLATERAL. (a) A debtor, any secondary obligor, or any other secured party or lienholder may redeem collateral. (b) To redeem collateral, a person shall tender: (1) Fulfillment of all obligations secured by the collateral; and (2) The reasonable expenses and attorney's fees described in section 28-9-615(a)(1).\n\nSource: <https://legislature.idaho.gov/wp-content/uploads/statutesrules/idstat/Title28/T28CH9.pdf>\n", "citation": "28-9-623", "file": "idaho.md", "generated": true, "harvested": "2026-09-01", "id": "idaho", "quote_citation": "28-9-623. RIGHT TO REDEEM COLLATERAL.", "quote_right_type": "28-9-623. RIGHT TO REDEEM COLLATERAL. (a) A debtor, any secondary obligor, or any other secured party or lienholder may redeem collateral. (b) To redeem collateral, a person shall tender: (1) Fulfillment of all obligations secured by the collateral; and (2) The reasonable expenses and attorney's fees described in section 28-9-615(a)(1).", "right_type": "The baseline right to redeem under the UCC as adopted, measured on the whole debt rather than the arrears: a debtor, secondary obligor, or other secured party or lienholder may redeem collateral by tendering fulfillment of all obligations secured by the collateral plus reasonable expenses and attorney's fees. Idaho repealed its Uniform Consumer Credit Code entirely (Title 28, chapters 31-35, marked [REPEALED]) and replaced it with the Idaho Credit Code (chapters 41-49); that code's own remedies chapter (28-45, Part 1, sections 101-110) covers deficiency judgments, garnishment, unconscionability and self-help repossession but has no cure-by-arrears notice section, unlike Colorado, Kansas or Wisconsin.", "source_quote": "28-9-623. RIGHT TO REDEEM COLLATERAL. (a) A debtor, any secondary obligor, or any other secured party or lienholder may redeem collateral. (b) To redeem collateral, a person shall tender: (1) Fulfillment of all obligations secured by the collateral; and (2) The reasonable expenses and attorney's fees described in section 28-9-615(a)(1).", "sources": ["https://legislature.idaho.gov/wp-content/uploads/statutesrules/idstat/Title28/T28CH9.pdf"], "stale_after": "2027-09-01", "state": "Idaho", "statutory_language": "To redeem collateral, a person shall tender: (1) Fulfillment of all obligations secured by the collateral", "title": "Idaho \u2014 After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state", "type": "jurisdictional-variation", "verified": false}
{"asset": "vehicle-repossession-cure-rights-by-state", "body": "**State:** Iowa\n\n**What the borrower can do to get the vehicle back:** A pre-repossession right to cure by paying only the arrears, the same shape as Wisconsin, Kansas and Colorado. A creditor shall not accelerate the unpaid balance, demand or take possession of collateral (other than by accepting a voluntary surrender), or otherwise attempt to enforce the obligation until twenty days after a proper notice of right to cure (Section 537.5111) is given. Until that period expires, the consumer may cure the default by tendering the amount of all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges, or the (lesser) amount stated in the notice; curing restores the consumer's rights under the agreement as though no default had occurred. No right to cure a further default on the same obligation within 365 days of a prior cure notice.\n\n> A creditor shall not accelerate the maturity of the unpaid balance of the obligation, demand or take possession of collateral, otherwise than by accepting a voluntary surrender of it, or otherwise attempt to enforce the obligation until twenty days after a proper notice of right to cure is given.\n\n**How the statute states the right:** the consumer may cure the default by tendering either the amount of all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges, or the amount stated in the notice of right to cure, whichever is less\n\n**Section:** 537.5110\n\n> 537.5110 Cure of default.\n\n> Until the expiration of the minimum applicable period after the notice is given, the consumer may cure the default by tendering either the amount of all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges, or the amount stated in the notice of right to cure, whichever is less, or by tendering any performance necessary to cure any default other than nonpayment of amounts due, which is described in the notice of right to cure. The act of curing a default restores to the consumer the consumer\u2019s rights under the agreement as though no default had occurred, except as provided in subsection 3.\n\nSource: <https://www.legis.iowa.gov/docs/code/537.5110.pdf>\n\nAlso cited: <https://www.legis.iowa.gov/docs/code/537.5111.pdf>\n", "citation": "537.5110", "file": "iowa.md", "generated": true, "harvested": "2026-09-01", "id": "iowa", "quote_citation": "537.5110 Cure of default.", "quote_right_type": "A creditor shall not accelerate the maturity of the unpaid balance of the obligation, demand or take possession of collateral, otherwise than by accepting a voluntary surrender of it, or otherwise attempt to enforce the obligation until twenty days after a proper notice of right to cure is given.", "right_type": "A pre-repossession right to cure by paying only the arrears, the same shape as Wisconsin, Kansas and Colorado. A creditor shall not accelerate the unpaid balance, demand or take possession of collateral (other than by accepting a voluntary surrender), or otherwise attempt to enforce the obligation until twenty days after a proper notice of right to cure (Section 537.5111) is given. Until that period expires, the consumer may cure the default by tendering the amount of all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges, or the (lesser) amount stated in the notice; curing restores the consumer's rights under the agreement as though no default had occurred. No right to cure a further default on the same obligation within 365 days of a prior cure notice.", "source_quote": "Until the expiration of the minimum applicable period after the notice is given, the consumer may cure the default by tendering either the amount of all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges, or the amount stated in the notice of right to cure, whichever is less, or by tendering any performance necessary to cure any default other than nonpayment of amounts due, which is described in the notice of right to cure. The act of curing a default restores to the consumer the consumer\u2019s rights under the agreement as though no default had occurred, except as provided in subsection 3.", "sources": ["https://www.legis.iowa.gov/docs/code/537.5110.pdf", "https://www.legis.iowa.gov/docs/code/537.5111.pdf"], "stale_after": "2027-09-01", "state": "Iowa", "statutory_language": "the consumer may cure the default by tendering either the amount of all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges, or the amount stated in the notice of right to cure, whichever is less", "title": "Iowa \u2014 After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state", "type": "jurisdictional-variation", "verified": false}
{"asset": "vehicle-repossession-cure-rights-by-state", "body": "**State:** Kansas\n\n**What the borrower can do to get the vehicle back:** A pre-repossession right to cure by paying only the arrears: the creditor may neither accelerate the unpaid balance nor take possession of the collateral until 20 days after a notice of the consumer's right to cure is given, and within those 20 days the consumer may cure by tendering all unpaid sums due at the time of the tender, without acceleration, plus any unpaid late fees.\n\n> a creditor may neither accelerate maturity of the unpaid balance of the obligation nor take possession of collateral because of that default until 20 days after a notice of the consumer's right to cure is given. Until 20 days after the notice is given, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid late fees.\n\n**How the statute states the right:** the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid late fees\n\n**Section:** 16a-5-111\n\n> 16a-5-111. (UCCC) Cure of default.\n\n> With respect to a consumer credit transaction payable in installments, after a default consisting only of the consumer's failure to make a required payment, a creditor may neither accelerate maturity of the unpaid balance of the obligation nor take possession of collateral because of that default until 20 days after a notice of the consumer's right to cure is given. Until 20 days after the notice is given, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid late fees. Cure shall restore the consumer to the consumer's rights under the agreement as though the defaults had not occurred.\n\nSource: <https://www.ksrevisor.gov/statutes/chapters/ch16a/016a_005_0111.html>\n", "citation": "16a-5-111", "file": "kansas.md", "generated": true, "harvested": "2026-09-01", "id": "kansas", "quote_citation": "16a-5-111. (UCCC) Cure of default.", "quote_right_type": "a creditor may neither accelerate maturity of the unpaid balance of the obligation nor take possession of collateral because of that default until 20 days after a notice of the consumer's right to cure is given. Until 20 days after the notice is given, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid late fees.", "right_type": "A pre-repossession right to cure by paying only the arrears: the creditor may neither accelerate the unpaid balance nor take possession of the collateral until 20 days after a notice of the consumer's right to cure is given, and within those 20 days the consumer may cure by tendering all unpaid sums due at the time of the tender, without acceleration, plus any unpaid late fees.", "source_quote": "With respect to a consumer credit transaction payable in installments, after a default consisting only of the consumer's failure to make a required payment, a creditor may neither accelerate maturity of the unpaid balance of the obligation nor take possession of collateral because of that default until 20 days after a notice of the consumer's right to cure is given. Until 20 days after the notice is given, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid late fees. Cure shall restore the consumer to the consumer's rights under the agreement as though the defaults had not occurred.", "sources": ["https://www.ksrevisor.gov/statutes/chapters/ch16a/016a_005_0111.html"], "stale_after": "2027-09-01", "state": "Kansas", "statutory_language": "the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid late fees", "title": "Kansas \u2014 After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state", "type": "jurisdictional-variation", "verified": false}
{"asset": "vehicle-repossession-cure-rights-by-state", "body": "**State:** Maine\n\n**What the borrower can do to get the vehicle back:** A pre-repossession right to cure by paying only the arrears, the same shape as Wisconsin, Kansas and Colorado. A creditor may neither accelerate the unpaid balance nor take possession of or otherwise enforce a security interest in the collateral until 14 days after a notice of the consumer's right to cure (Section 5-110) is given. Until that period expires, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges; cure restores the consumer to his or her rights under the agreement as though the defaults had not occurred. No further right to cure on the same obligation within 12 months of an earlier cure notice.\n\n> Until expiration of the minimum applicable period after the notice is given, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges. Cure restores the consumer to the consumer's rights under the agreement as though the defaults had not occurred.\n\n**How the statute states the right:** the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges\n\n**Section:** 5-111\n\n> \u00a75-111. Cure of default\n\n> Until expiration of the minimum applicable period after the notice is given, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges. Cure restores the consumer to the consumer's rights under the agreement as though the defaults had not occurred.\n\nSource: <https://legislature.maine.gov/statutes/9-A/title9-Asec5-111.html>\n\nAlso cited: <https://legislature.maine.gov/statutes/9-A/title9-Asec5-110.html>\n", "citation": "5-111", "file": "maine.md", "generated": true, "harvested": "2026-09-01", "id": "maine", "quote_citation": "\u00a75-111. Cure of default", "quote_right_type": "Until expiration of the minimum applicable period after the notice is given, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges. Cure restores the consumer to the consumer's rights under the agreement as though the defaults had not occurred.", "right_type": "A pre-repossession right to cure by paying only the arrears, the same shape as Wisconsin, Kansas and Colorado. A creditor may neither accelerate the unpaid balance nor take possession of or otherwise enforce a security interest in the collateral until 14 days after a notice of the consumer's right to cure (Section 5-110) is given. Until that period expires, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges; cure restores the consumer to his or her rights under the agreement as though the defaults had not occurred. No further right to cure on the same obligation within 12 months of an earlier cure notice.", "source_quote": "Until expiration of the minimum applicable period after the notice is given, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges. Cure restores the consumer to the consumer's rights under the agreement as though the defaults had not occurred.", "sources": ["https://legislature.maine.gov/statutes/9-A/title9-Asec5-111.html", "https://legislature.maine.gov/statutes/9-A/title9-Asec5-110.html"], "stale_after": "2027-09-01", "state": "Maine", "statutory_language": "the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges", "title": "Maine \u2014 After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state", "type": "jurisdictional-variation", "verified": false}
{"asset": "vehicle-repossession-cure-rights-by-state", "body": "**State:** Minnesota\n\n**What the borrower can do to get the vehicle back:** The baseline right to redeem under the UCC as adopted, measured on the whole debt rather than the arrears: to get the vehicle back a person must tender fulfillment of all obligations secured by the collateral, plus the secured party's reasonable expenses and attorney fees.\n\n> 336.9-623 RIGHT TO REDEEM COLLATERAL. (a) Persons that may redeem. A debtor, any secondary obligor, or any other secured party or lienholder may redeem collateral. (b) Requirements for redemption. To redeem collateral, a person shall tender: (1) fulfillment of all obligations secured by the collateral; and (2) the reasonable expenses and attorneys fees described in section 336.9-615 (a)(1).\n\n**How the statute states the right:** To redeem collateral, a person shall tender: (1) fulfillment of all obligations secured by the collateral\n\n**Section:** 336.9-623\n\n> 336.9-623 RIGHT TO REDEEM COLLATERAL.\n\n> (b) Requirements for redemption. To redeem collateral, a person shall tender: (1) fulfillment of all obligations secured by the collateral; and\n\nSource: <https://www.revisor.mn.gov/statutes/cite/336.9-623>\n", "citation": "336.9-623", "file": "minnesota.md", "generated": true, "harvested": "2026-09-01", "id": "minnesota", "quote_citation": "336.9-623 RIGHT TO REDEEM COLLATERAL.", "quote_right_type": "336.9-623 RIGHT TO REDEEM COLLATERAL. (a) Persons that may redeem. A debtor, any secondary obligor, or any other secured party or lienholder may redeem collateral. (b) Requirements for redemption. To redeem collateral, a person shall tender: (1) fulfillment of all obligations secured by the collateral; and (2) the reasonable expenses and attorneys fees described in section 336.9-615 (a)(1).", "right_type": "The baseline right to redeem under the UCC as adopted, measured on the whole debt rather than the arrears: to get the vehicle back a person must tender fulfillment of all obligations secured by the collateral, plus the secured party's reasonable expenses and attorney fees.", "source_quote": "(b) Requirements for redemption. To redeem collateral, a person shall tender: (1) fulfillment of all obligations secured by the collateral; and", "sources": ["https://www.revisor.mn.gov/statutes/cite/336.9-623"], "stale_after": "2027-09-01", "state": "Minnesota", "statutory_language": "To redeem collateral, a person shall tender: (1) fulfillment of all obligations secured by the collateral", "title": "Minnesota \u2014 After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state", "type": "jurisdictional-variation", "verified": false}
{"asset": "vehicle-repossession-cure-rights-by-state", "body": "**State:** New York\n\n**What the borrower can do to get the vehicle back:** The baseline right to redeem under the UCC. New York's motor vehicle instalment statute routes repossession through article nine of the Uniform Commercial Code and requires the holder, within seventy-two hours of repossession or surrender, to deliver or mail the buyer a written notice setting out the buyer's right to redeem the vehicle and the dollar amount necessary to redeem.\n\n> The holder of any motor vehicle installment contract who repossesses or accepts a voluntary surrender of a motor vehicle pursuant to the provisions of article nine of the uniform commercial code, or any contract, shall within seventy-two hours of such repossession or surrender, personally deliver or mail to the buyer at his last known address a written notice setting forth the right of such buyer to redeem such motor vehicle, the dollar amount necessary to redeem, and the name, address and telephone number of the holder from which information may be obtained regarding such redemption.\n\n**How the statute states the right:** To redeem collateral, a person shall tender: (1) fulfillment of all obligations secured by the collateral\n\n**Section:** UCC \u00a7 9-623\n\n> New York Consolidated Laws, Uniform Commercial Code - UCC \u00a7 9-623. Right to Redeem Collateral\n\n> (b) Requirements for redemption. To redeem collateral, a person shall tender: (1) fulfillment of all obligations secured by the collateral; and\n\nSource: <https://codes.findlaw.com/ny/uniform-commercial-code/ucc-sect-9-623/>\n\nAlso cited: <https://codes.findlaw.com/ny/personal-property-law/pep-sect-316/>\n", "citation": "UCC \u00a7 9-623", "file": "new-york.md", "generated": true, "harvested": "2026-09-01", "id": "new-york", "quote_citation": "New York Consolidated Laws, Uniform Commercial Code - UCC \u00a7 9-623. Right to Redeem Collateral", "quote_right_type": "The holder of any motor vehicle installment contract who repossesses or accepts a voluntary surrender of a motor vehicle pursuant to the provisions of article nine of the uniform commercial code, or any contract, shall within seventy-two hours of such repossession or surrender, personally deliver or mail to the buyer at his last known address a written notice setting forth the right of such buyer to redeem such motor vehicle, the dollar amount necessary to redeem, and the name, address and telephone number of the holder from which information may be obtained regarding such redemption.", "right_type": "The baseline right to redeem under the UCC. New York's motor vehicle instalment statute routes repossession through article nine of the Uniform Commercial Code and requires the holder, within seventy-two hours of repossession or surrender, to deliver or mail the buyer a written notice setting out the buyer's right to redeem the vehicle and the dollar amount necessary to redeem.", "source_quote": "(b) Requirements for redemption. To redeem collateral, a person shall tender: (1) fulfillment of all obligations secured by the collateral; and", "sources": ["https://codes.findlaw.com/ny/uniform-commercial-code/ucc-sect-9-623/", "https://codes.findlaw.com/ny/personal-property-law/pep-sect-316/"], "stale_after": "2027-09-01", "state": "New York", "statutory_language": "To redeem collateral, a person shall tender: (1) fulfillment of all obligations secured by the collateral", "title": "New York \u2014 After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state", "type": "jurisdictional-variation", "verified": false}
{"asset": "vehicle-repossession-cure-rights-by-state", "body": "**State:** Ohio\n\n**What the borrower can do to get the vehicle back:** A post-repossession right to cure by paying the arrears rather than the balance. The debtor has twenty days after the secured party retakes the vehicle, or fifteen days after it sends the required default notice, whichever is later, and cures by delivering all installments due or past due, any unpaid delinquency or deferred charges, the actual and reasonable repossession expenses (any portion over twenty-five dollars need not be delivered and is instead added to the time balance), and a deposit of two installments securing future payments; on curing, the debtor may take possession of the vehicle. The right may not be exercised more than once with respect to a single debt.\n\n> The debtor may cure the default within twenty days after the secured party retakes possession of the collateral, or within fifteen days after the secured party sends the notice required by this section, whichever is later, by delivering to the secured party the following: (A) All installments due or past due at the time of such delivery; (B) Any unpaid delinquency or deferred charges; (C) The actual and reasonable expenses incurred by the secured party in retaking possession of the collateral provided that any portion of such expenses which exceeds twenty-five dollars need not be delivered to the secured party pursuant to this division, but shall be added to the time balance; (D) A deposit by cash or bond in the amount of two installments, to secure the timely payment of future installments by the debtor. The secured party may apply such cash or the proceeds of such bond toward the satisfaction of the debt in the event of another default by the debtor. During the period between the time a secured party retakes possession of the collateral and the expiration or exercise of the debtor's right to cure the default, the secured party shall make the collateral available for inspection by the debtor during reasonable hours. If the debtor cures the default, the debtor may take possession of the collateral. The secured party shall assemble the collateral and make it available to the debtor at a time and place that is reasonably convenient to both parties. If the debtor requests the secured party to return the collateral to the place from which it was taken, the secured party may charge the debtor the actual and reasonable expenses incurred in returning the collateral to the place from which it was taken, which amount shall be added to the time balance. A debtor's right to cure the default pursuant to this section may not be exercised more than once with respect to a single debt.\n\n**How the statute states the right:** The debtor may cure the default within twenty days after the secured party retakes possession of the collateral, or within fifteen days after the secured party sends the notice required by this section, whichever is later\n\n**Section:** Section 1317.12\n\n> Section 1317.12 | Default - notice, curing.\n\n> The debtor may cure the default within twenty days after the secured party retakes possession of the collateral, or within fifteen days after the secured party sends the notice required by this section, whichever is later, by delivering to the secured party the following: (A) All installments due or past due at the time of such delivery; (B) Any unpaid delinquency or deferred charges;\n\nSource: <https://codes.ohio.gov/ohio-revised-code/section-1317.12>\n\nAlso cited: <https://codes.ohio.gov/ohio-revised-code/section-1309.623>\n", "citation": "Section 1317.12", "file": "ohio.md", "generated": true, "harvested": "2026-09-01", "id": "ohio", "quote_citation": "Section 1317.12 | Default - notice, curing.", "quote_right_type": "The debtor may cure the default within twenty days after the secured party retakes possession of the collateral, or within fifteen days after the secured party sends the notice required by this section, whichever is later, by delivering to the secured party the following: (A) All installments due or past due at the time of such delivery; (B) Any unpaid delinquency or deferred charges; (C) The actual and reasonable expenses incurred by the secured party in retaking possession of the collateral provided that any portion of such expenses which exceeds twenty-five dollars need not be delivered to the secured party pursuant to this division, but shall be added to the time balance; (D) A deposit by cash or bond in the amount of two installments, to secure the timely payment of future installments by the debtor. The secured party may apply such cash or the proceeds of such bond toward the satisfaction of the debt in the event of another default by the debtor. During the period between the time a secured party retakes possession of the collateral and the expiration or exercise of the debtor's right to cure the default, the secured party shall make the collateral available for inspection by the debtor during reasonable hours. If the debtor cures the default, the debtor may take possession of the collateral. The secured party shall assemble the collateral and make it available to the debtor at a time and place that is reasonably convenient to both parties. If the debtor requests the secured party to return the collateral to the place from which it was taken, the secured party may charge the debtor the actual and reasonable expenses incurred in returning the collateral to the place from which it was taken, which amount shall be added to the time balance. A debtor's right to cure the default pursuant to this section may not be exercised more than once with respect to a single debt.", "right_type": "A post-repossession right to cure by paying the arrears rather than the balance. The debtor has twenty days after the secured party retakes the vehicle, or fifteen days after it sends the required default notice, whichever is later, and cures by delivering all installments due or past due, any unpaid delinquency or deferred charges, the actual and reasonable repossession expenses (any portion over twenty-five dollars need not be delivered and is instead added to the time balance), and a deposit of two installments securing future payments; on curing, the debtor may take possession of the vehicle. The right may not be exercised more than once with respect to a single debt.", "source_quote": "The debtor may cure the default within twenty days after the secured party retakes possession of the collateral, or within fifteen days after the secured party sends the notice required by this section, whichever is later, by delivering to the secured party the following: (A) All installments due or past due at the time of such delivery; (B) Any unpaid delinquency or deferred charges;", "sources": ["https://codes.ohio.gov/ohio-revised-code/section-1317.12", "https://codes.ohio.gov/ohio-revised-code/section-1309.623"], "stale_after": "2027-09-01", "state": "Ohio", "statutory_language": "The debtor may cure the default within twenty days after the secured party retakes possession of the collateral, or within fifteen days after the secured party sends the notice required by this section, whichever is later", "title": "Ohio \u2014 After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state", "type": "jurisdictional-variation", "verified": false}
{"asset": "vehicle-repossession-cure-rights-by-state", "body": "**State:** South Carolina\n\n**What the borrower can do to get the vehicle back:** A pre-repossession right to cure by paying only the arrears, the same shape as Wisconsin, Kansas and Colorado. A creditor may neither accelerate the unpaid balance nor take possession of or otherwise enforce a security interest in the collateral until twenty days after a notice of the consumer's right to cure (Section 37-5-110) is given. Until that period expires, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges; cure restores the consumer to his rights under the agreement as though the defaults had not occurred. No further right to cure on the same obligation within 12 months of an earlier cure notice.\n\n> With respect to a secured or unsecured consumer credit transaction payable in two or more installments, except as provided in subsection (2), after a default consisting only of the consumer's failure to make a required payment, a creditor, because of that default, may neither accelerate maturity of the unpaid balance of the obligation, nor take possession of or otherwise enforce a security interest in goods that are collateral until twenty days after a notice of the consumer's right to cure (Section 37-5-110) is given. Until expiration of the minimum applicable period after the notice is given, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges. Cure restores the consumer to his rights under the agreement as though the defaults had not occurred.\n\n**How the statute states the right:** the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges\n\n**Section:** 37-5-111\n\n> SECTION 37-5-111. Cure of default.\n\n> With respect to a secured or unsecured consumer credit transaction payable in two or more installments, except as provided in subsection (2), after a default consisting only of the consumer's failure to make a required payment, a creditor, because of that default, may neither accelerate maturity of the unpaid balance of the obligation, nor take possession of or otherwise enforce a security interest in goods that are collateral until twenty days after a notice of the consumer's right to cure (Section 37-5-110) is given. Until expiration of the minimum applicable period after the notice is given, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges. Cure restores the consumer to his rights under the agreement as though the defaults had not occurred.\n\nSource: <https://www.scstatehouse.gov/code/t37c005.php>\n", "citation": "37-5-111", "file": "south-carolina.md", "generated": true, "harvested": "2026-09-01", "id": "south-carolina", "quote_citation": "SECTION 37-5-111. Cure of default.", "quote_right_type": "With respect to a secured or unsecured consumer credit transaction payable in two or more installments, except as provided in subsection (2), after a default consisting only of the consumer's failure to make a required payment, a creditor, because of that default, may neither accelerate maturity of the unpaid balance of the obligation, nor take possession of or otherwise enforce a security interest in goods that are collateral until twenty days after a notice of the consumer's right to cure (Section 37-5-110) is given. Until expiration of the minimum applicable period after the notice is given, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges. Cure restores the consumer to his rights under the agreement as though the defaults had not occurred.", "right_type": "A pre-repossession right to cure by paying only the arrears, the same shape as Wisconsin, Kansas and Colorado. A creditor may neither accelerate the unpaid balance nor take possession of or otherwise enforce a security interest in the collateral until twenty days after a notice of the consumer's right to cure (Section 37-5-110) is given. Until that period expires, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges; cure restores the consumer to his rights under the agreement as though the defaults had not occurred. No further right to cure on the same obligation within 12 months of an earlier cure notice.", "source_quote": "With respect to a secured or unsecured consumer credit transaction payable in two or more installments, except as provided in subsection (2), after a default consisting only of the consumer's failure to make a required payment, a creditor, because of that default, may neither accelerate maturity of the unpaid balance of the obligation, nor take possession of or otherwise enforce a security interest in goods that are collateral until twenty days after a notice of the consumer's right to cure (Section 37-5-110) is given. Until expiration of the minimum applicable period after the notice is given, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges. Cure restores the consumer to his rights under the agreement as though the defaults had not occurred.", "sources": ["https://www.scstatehouse.gov/code/t37c005.php"], "stale_after": "2027-09-01", "state": "South Carolina", "statutory_language": "the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges", "title": "South Carolina \u2014 After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state", "type": "jurisdictional-variation", "verified": false}
{"asset": "vehicle-repossession-cure-rights-by-state", "body": "**State:** Utah\n\n**What the borrower can do to get the vehicle back:** The baseline right to redeem under the UCC as adopted, measured on the whole debt rather than the arrears: a debtor, secondary obligor, or other secured party or lienholder may redeem collateral by tendering fulfillment of all obligations secured by the collateral plus reasonable expenses and attorney's fees. Utah's Consumer Credit Code (Title 70C, Chapter 7, Remedies and Penalties, Part 1 sections 101-107 and Part 2 sections 201-206) has no cure-by-arrears notice section anywhere in it -- it covers deficiency judgments, garnishment, unconscionability and negative credit reporting, but not notice of right to cure or cure of default, unlike Colorado, Kansas or Wisconsin.\n\n> 70A-9a-623 Right to redeem collateral. (1) A debtor, any secondary obligor, or any other secured party or lienholder may redeem collateral. (2) To redeem collateral, a person shall tender: (a) fulfillment of all obligations secured by the collateral; and (b) the reasonable expenses and attorney's fees described in Subsection 70A-9a-615(1)(a).\n\n**How the statute states the right:** To redeem collateral, a person shall tender: (a) fulfillment of all obligations secured by the collateral\n\n**Section:** 70A-9a-623\n\n> 70A-9a-623 Right to redeem collateral.\n\n> 70A-9a-623 Right to redeem collateral. (1) A debtor, any secondary obligor, or any other secured party or lienholder may redeem collateral. (2) To redeem collateral, a person shall tender: (a) fulfillment of all obligations secured by the collateral; and (b) the reasonable expenses and attorney's fees described in Subsection 70A-9a-615(1)(a).\n\nSource: <https://le.utah.gov/xcode/Title70A/Chapter9A/C70A-9a-P6_1800010118000101.pdf>\n", "citation": "70A-9a-623", "file": "utah.md", "generated": true, "harvested": "2026-09-01", "id": "utah", "quote_citation": "70A-9a-623 Right to redeem collateral.", "quote_right_type": "70A-9a-623 Right to redeem collateral. (1) A debtor, any secondary obligor, or any other secured party or lienholder may redeem collateral. (2) To redeem collateral, a person shall tender: (a) fulfillment of all obligations secured by the collateral; and (b) the reasonable expenses and attorney's fees described in Subsection 70A-9a-615(1)(a).", "right_type": "The baseline right to redeem under the UCC as adopted, measured on the whole debt rather than the arrears: a debtor, secondary obligor, or other secured party or lienholder may redeem collateral by tendering fulfillment of all obligations secured by the collateral plus reasonable expenses and attorney's fees. Utah's Consumer Credit Code (Title 70C, Chapter 7, Remedies and Penalties, Part 1 sections 101-107 and Part 2 sections 201-206) has no cure-by-arrears notice section anywhere in it -- it covers deficiency judgments, garnishment, unconscionability and negative credit reporting, but not notice of right to cure or cure of default, unlike Colorado, Kansas or Wisconsin.", "source_quote": "70A-9a-623 Right to redeem collateral. (1) A debtor, any secondary obligor, or any other secured party or lienholder may redeem collateral. (2) To redeem collateral, a person shall tender: (a) fulfillment of all obligations secured by the collateral; and (b) the reasonable expenses and attorney's fees described in Subsection 70A-9a-615(1)(a).", "sources": ["https://le.utah.gov/xcode/Title70A/Chapter9A/C70A-9a-P6_1800010118000101.pdf"], "stale_after": "2027-09-01", "state": "Utah", "statutory_language": "To redeem collateral, a person shall tender: (a) fulfillment of all obligations secured by the collateral", "title": "Utah \u2014 After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state", "type": "jurisdictional-variation", "verified": false}
{"asset": "vehicle-repossession-cure-rights-by-state", "body": "**State:** Wisconsin\n\n**What the borrower can do to get the vehicle back:** A pre-repossession right to cure by paying only the arrears. The merchant may not accelerate, sue, or demand or take possession of the collateral until 15 days after a right-to-cure notice is given, and for those 15 days the customer may cure by tendering all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges; curing restores the customer's rights under the agreement as though no default had occurred.\n\n> A merchant may not accelerate the maturity of a consumer credit transaction, commence any action except as provided in s. 425.205 (6) , or demand or take possession of collateral or goods subject to a consumer lease other than by accepting a voluntary surrender thereof (s. 425.204 ), unless the merchant believes the customer to be in default (s. 425.103 ), and then only upon the expiration of 15 days after a notice is given pursuant to s. 425.104 if the customer has the right to cure under this section. 425.105(2) (2) Except as provided in subs. (3) and (3m) , for 15 days after such notice is given, a customer may cure a default under a consumer credit transaction by tendering the amount of all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges, and by tendering performance necessary to cure any default other than nonpayment of amounts due. The act of curing a default restores to the customer the customer\u2019s rights under the agreement as though no default had occurred.\n\n**How the statute states the right:** a customer may cure a default under a consumer credit transaction by tendering the amount of all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges\n\n**Section:** 425.105\n\n> 425.105 Cure of default.\n\n> for 15 days after such notice is given, a customer may cure a default under a consumer credit transaction by tendering the amount of all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges, and by tendering performance necessary to cure any default other than nonpayment of amounts due. The act of curing a default restores to the customer the customer\u2019s rights under the agreement as though no default had occurred.\n\nSource: <https://docs.legis.wisconsin.gov/statutes/statutes/425/I/105?view=section>\n", "citation": "425.105", "file": "wisconsin.md", "generated": true, "harvested": "2026-09-01", "id": "wisconsin", "quote_citation": "425.105 Cure of default.", "quote_right_type": "A merchant may not accelerate the maturity of a consumer credit transaction, commence any action except as provided in s. 425.205 (6) , or demand or take possession of collateral or goods subject to a consumer lease other than by accepting a voluntary surrender thereof (s. 425.204 ), unless the merchant believes the customer to be in default (s. 425.103 ), and then only upon the expiration of 15 days after a notice is given pursuant to s. 425.104 if the customer has the right to cure under this section. 425.105(2) (2) Except as provided in subs. (3) and (3m) , for 15 days after such notice is given, a customer may cure a default under a consumer credit transaction by tendering the amount of all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges, and by tendering performance necessary to cure any default other than nonpayment of amounts due. The act of curing a default restores to the customer the customer\u2019s rights under the agreement as though no default had occurred.", "right_type": "A pre-repossession right to cure by paying only the arrears. The merchant may not accelerate, sue, or demand or take possession of the collateral until 15 days after a right-to-cure notice is given, and for those 15 days the customer may cure by tendering all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges; curing restores the customer's rights under the agreement as though no default had occurred.", "source_quote": "for 15 days after such notice is given, a customer may cure a default under a consumer credit transaction by tendering the amount of all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges, and by tendering performance necessary to cure any default other than nonpayment of amounts due. The act of curing a default restores to the customer the customer\u2019s rights under the agreement as though no default had occurred.", "sources": ["https://docs.legis.wisconsin.gov/statutes/statutes/425/I/105?view=section"], "stale_after": "2027-09-01", "state": "Wisconsin", "statutory_language": "a customer may cure a default under a consumer credit transaction by tendering the amount of all unpaid installments due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges", "title": "Wisconsin \u2014 After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state", "type": "jurisdictional-variation", "verified": false}
{"asset": "vehicle-repossession-cure-rights-by-state", "body": "**State:** Wyoming\n\n**What the borrower can do to get the vehicle back:** The baseline right to redeem under the UCC as adopted, measured on the whole debt rather than the arrears: a debtor, secondary obligor, or other secured party or lienholder may redeem collateral by tendering fulfillment of all obligations secured by the collateral plus reasonable expenses and attorney's fees. Wyoming's Uniform Consumer Credit Code (W.S. 40-14, Article 5, Part 1, Limitations on Creditors' Remedies, sections 501-508) has no separate cure-by-arrears notice provision -- it covers deficiency judgments, garnishment and unconscionability but no section on notice of right to cure or cure of default, unlike Colorado, Kansas or Wisconsin.\n\n> 34.1-9-623. Right to redeem collateral. (a) A debtor, any secondary obligor or any other secured party or lienholder may redeem collateral. (b) To redeem collateral, a person shall tender: (i) Fulfillment of all obligations secured by the collateral; and (ii) The reasonable expenses and attorney's fees described in section 34.1-9-615(a)(i).\n\n**How the statute states the right:** To redeem collateral, a person shall tender: (i) Fulfillment of all obligations secured by the collateral\n\n**Section:** 34.1-9-623\n\n> 34.1-9-623. Right to redeem collateral.\n\n> 34.1-9-623. Right to redeem collateral. (a) A debtor, any secondary obligor or any other secured party or lienholder may redeem collateral. (b) To redeem collateral, a person shall tender: (i) Fulfillment of all obligations secured by the collateral; and (ii) The reasonable expenses and attorney's fees described in section 34.1-9-615(a)(i).\n\nSource: <https://www.wyoleg.gov/statutes/compress/title34.1.pdf>\n", "citation": "34.1-9-623", "file": "wyoming.md", "generated": true, "harvested": "2026-09-01", "id": "wyoming", "quote_citation": "34.1-9-623. Right to redeem collateral.", "quote_right_type": "34.1-9-623. Right to redeem collateral. (a) A debtor, any secondary obligor or any other secured party or lienholder may redeem collateral. (b) To redeem collateral, a person shall tender: (i) Fulfillment of all obligations secured by the collateral; and (ii) The reasonable expenses and attorney's fees described in section 34.1-9-615(a)(i).", "right_type": "The baseline right to redeem under the UCC as adopted, measured on the whole debt rather than the arrears: a debtor, secondary obligor, or other secured party or lienholder may redeem collateral by tendering fulfillment of all obligations secured by the collateral plus reasonable expenses and attorney's fees. Wyoming's Uniform Consumer Credit Code (W.S. 40-14, Article 5, Part 1, Limitations on Creditors' Remedies, sections 501-508) has no separate cure-by-arrears notice provision -- it covers deficiency judgments, garnishment and unconscionability but no section on notice of right to cure or cure of default, unlike Colorado, Kansas or Wisconsin.", "source_quote": "34.1-9-623. Right to redeem collateral. (a) A debtor, any secondary obligor or any other secured party or lienholder may redeem collateral. (b) To redeem collateral, a person shall tender: (i) Fulfillment of all obligations secured by the collateral; and (ii) The reasonable expenses and attorney's fees described in section 34.1-9-615(a)(i).", "sources": ["https://www.wyoleg.gov/statutes/compress/title34.1.pdf"], "stale_after": "2027-09-01", "state": "Wyoming", "statutory_language": "To redeem collateral, a person shall tender: (i) Fulfillment of all obligations secured by the collateral", "title": "Wyoming \u2014 After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state", "type": "jurisdictional-variation", "verified": false}