What each page is built to do
Every guide answers one concrete post-repossession question and separates the general secured-transactions framework — UCC Article 9 — from state-specific law. Numeric deadlines, dollar thresholds, limitation periods, and state exceptions are held back until they are checked against a current official source: the state code, a state agency or attorney general, a reported court decision, or a federal consumer agency.
How pages are researched and reviewed
- Each state page carries its own source set and links the exact statute sections it relies on. A deadline is only shown as a fixed number when a source supplies one; where the answer is event-based, the page says so rather than inventing a day count.
- Guide pages cite the model UCC section for the concept and note that the controlling law is the version each state enacted, plus its case law.
- Federal points — the FCRA reporting window, the SCRA trigger, the bankruptcy automatic stay — are tied to the United States Code and the CFPB or FTC consumer material.
- A full external-link verification pass is maintained against the site's source manifest before deployment; a link appearing on a page does not replace checking the current text and effective date.
Last full source review: September 2026. Individual pages show their own “Updated” date in the byline.
Editor
Cordell Hayes, Consumer Credit & Repossession Editor, is the responsible editor for this site. The byline identifies who stands behind the editorial standard above; it is not a claim of attorney-client representation, and nothing here is individualized legal advice. For a disputed deficiency, a lawsuit, a bankruptcy question, or a possible wrongful repossession, the right next step is usually your state's legal aid program, a consumer attorney, or the court itself.
What this site does not do
It does not rank or recommend lenders, sell debt-settlement or credit-repair services, collect refinancing leads, or accept payment to change how a topic is covered. The guide library stays deliberately small and procedural.
Corrections
If a cited statute has been amended, a link has moved, or a page describes a rule inaccurately, that is worth fixing quickly. Use the contact page and include the page URL and the source you are relying on.