New York
For New York, what the borrower can do to get the vehicle back is The baseline right to redeem under the UCC. To get the vehicle back the debtor, any secondary obligor, or any other secured party or lienholder must tender fulfillment of all obligations secured by the collateral -- the whole secured debt, not the missed payments -- plus the reasonable expenses and attorney's fees described in Section 9-615(a)(1). Redemption may occur at any time before the secured party has collected the collateral under Section 9-607, has disposed of it or entered into a contract for its disposition under Section 9-610, or has accepted it in full or partial satisfaction of the obligation it secures under Section 9-622; how the statute states the right is 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 9--615(a)(1); section is 9-623, recorded from its source on 2026-10-12; source re-checked 2026-10-15.
- State
- New York our reading
- What the borrower can do to get the vehicle back
- The baseline right to redeem under the UCC. To get the vehicle back the debtor, any secondary obligor, or any other secured party or lienholder must tender fulfillment of all obligations secured by the collateral -- the whole secured debt, not the missed payments -- plus the reasonable expenses and attorney's fees described in Section 9-615(a)(1). Redemption may occur at any time before the secured party has collected the collateral under Section 9-607, has disposed of it or entered into a contract for its disposition under Section 9-610, or has accepted it in full or partial satisfaction of the obligation it secures under Section 9-622. our reading
- How the statute states the right
- 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 9--615(a)(1). verified
- Section
- 9-623 verified
Values marked our reading are our classification of what the source says — the source does not print them in those words. The quote below is the evidence for each one; judge it yourself.
What the source says
Section 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 attorney’s fees described in Section 9--615(a)(1). (c) When redemption may occur. A redemption may occur at any time before a secured party: (1) has collected collateral under Section 9--607; (2) has disposed of collateral or entered into a contract for its disposition under Section 9--610; or (3) has accepted collateral in full or partial satisfaction of the obligation it secures under Section 9--622.
— newyork.public.law, retrieved 2026-10-12
Where each value comes from
The value above is stated away from the sentence quoted with the answer, so the passage that states it is shown here too.
Section
N.Y. Uniform Commercial Code Law Section 9-623 Right to Redeem Collateral
— all from newyork.public.law, retrieved 2026-10-12
Sources
- newyork.public.lawhttps://newyork.public.law/laws/n.y._uniform_commercial_code_law_section_9-623
- newyork.public.lawhttps://newyork.public.law/laws/n.y._personal_property_law_section_316