Wisconsin
For Wisconsin, how the statute states the right is 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; section is 425.105, verified against its source on 2026-09-01.
- State
- Wisconsin our reading
- 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. our reading
- 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 verified
- Section
- 425.105 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
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’s rights under the agreement as though no default had occurred.
— docs.legis.wisconsin.gov, retrieved 2026-09-01
Where each value comes from
This source states these in separate places, so each value is shown with the passage that states it.
What the borrower can do to get the vehicle back
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’s rights under the agreement as though no default had occurred.
Section
425.105 Cure of default.
— all from docs.legis.wisconsin.gov, retrieved 2026-09-01
Source
- docs.legis.wisconsin.govhttps://docs.legis.wisconsin.gov/statutes/statutes/425/I/105?view=section