How to Access Repo Cars in Georgia

Accessing repossessed cars in Georgia may be necessary to regain your personal property. Repossessions occur when a borrower defaults on a loan provided by a lender. Repossessions can happen at any time of the day and are never announced to the current user of the vehicle. A repossession company is hired by the lender to repossess the car. Repossession companies do not have to give you the option to remove your personal belongings from the vehicle before they repossess it.

• 1

  Check your mailbox for a letter from the repossession company; it should appear within 10 days of repossession. This letter will detail the company's intent to dispose of your personal property within 30 days. According to Georgia code section 11-9-504, a letter must be sent to the borrower which notifies them of their rights. One of these rights is the right to redeem your personal property.

• 2

  Read the letter from the repossession company for the location of the repossessed vehicle. An address will be given where you can access the repossessed vehicle and regain your personal property within 30 days.

• 3

  Travel to the location of the repossessed car. Bring a form of identification and the key you used to access the car before it was repossessed. Access the repossessed car and remove your personal belongings.