Illinois Repossession Laws / Recovery Requirements

Quick Answers:


Where do I refer to for Title or License Registration?

For state Title and License Information, refer to:


Secretary of State
Record Inquiry Section
501 S. Second St., Rm. 408
Springfield, IL 62756
Telephone: 217-785-3000

How much does vehicle information cost?
Title search – $5.00
Registration search – $5.00
Title & Registration – $10.00
Certified for Court – $10.00

Security Interests:

Shown on title held by lienholder.


Recording Requirements:

Per the Uniform Commercial Code (UCC) adopted in July, 1962: recorded in the county where mortgagor resides or where property is located.

Recovery Requirements:

As per the UCC, repossession is allowed and permitted as long as it is peaceful.

Redemption Requirements:

Security agreements allow 21 days prior to date of sale by payment in full.

Deficiency Requirements:

Confession of judgment is valid. Deficiency is permitted but if debtor has paid 50% of the contract price, resale bars suit for price.

Special Motor Vehicle Provisions:

All liens must be noted to be effective and title is retained by lienholder. No other recording required.

Documents Required to Transfer Ownership of Motor Vehicle:

Certificate of title in lienholder’s name, notarized Bill of Sale. Liens are released on the face of the title.


Documents Required for Liquidation:

After Repossession, the lienholder shall mail the Affidavit of Defense to the registered owner’s last known address giving the owner 21 days from the date of the certified mail to redeem this unit. The vehicle may not be sold or transferred during this period.



Remain with the owner / debtor. does not warrant the accuracy of these laws. The laws listed on are only a starting point for reference, and are not meant to be legal advice or a replacement for legal console. Please consult a repo company in your area, county, or state if you have any questions about repossession service there. All recovery requirements and fees are current as of 2002.

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