Indiana Repossession Laws / Recovery Requirements

Quick Answers:


Where do I refer to for Title or License Registration?

For state Title and License Information, refer to:


Indiana Bureau of Motor Vehicles

100 N. Senate Ave., #401

Indianapolis, Indiana 46204


Telephone: (317) 232-2798


Fee for search of records is $4.00.

Security Interests:

Shown on title held by lienholder.


Recording Requirements:

Per the Uniform Commercial Code (UCC) adopted in July, 1964: with County Recorder of county where mortgagor resides: if non-resident, where goods are located.

Recovery Requirements:

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

Redemption Requirements:

Prior to foreclosure for chattel mortgages and within 21 days of retaking for conditional sales contracts.

Deficiency Requirements:

Allowed. Regulated by State Statute.

Special Motor Vehicle Provisions:

Lien must appear on certificate of title.

Documents Required to Transfer Ownership of Motor Vehicle:

Title in owner’s name showing lien (if possible to obtain). Certified true copy of contract. Certificate of Repossession and application for title in lienholder’s name. Lienholder must obtain title in their name to dispose of vehicle.


Documents Required for Liquidation:

Certified copy of Contract (Form 1 Certificate of Repossession from California, Tennessee, Texas). All other states must have a repossession title in the client’s name.



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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