Kentucky Repossession Laws / Recovery Requirements

Quick Answers:


Where do I refer to for Title or License Registration?

For state Title and License Information, refer to:


Transportation Cabinet
Division of Motor Vehicle Licensing
P.O. Box 2014
Frankfort, KY 40602-2014
ATTN: Records Management


Fee for search of records is $2.00.


More information, including the request form, can be found here.

Security Interests:

Shown on title. Title is mailed to and held by debtor. Lienholder holds title lien statement.



Recording Requirements:

Per the Uniform Commercial Code (UCC) adopted in July, 1960: Financing statements are filed with the County Clerk where debtor resides or in county where the vehicle is registered.

Recovery Requirements:

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

Redemption Requirements:

Allowed any time prior to disposition of the collateral by the lienholder.

Deficiency Requirements:

Permitted after sale and if contract so provides. Kentucky has an extremely comprehensive Commercial Code which warrants careful examination in dealing with all matters here.

Special Motor Vehicle Provisions:

No provisions.

Documents Required to Transfer Ownership of Motor Vehicle:

Certified copy of Security agreement, Affidavit of Repossession.


Documents Required for Liquidation:

Title and Affidavit of Repossession.



Remain with the vehicle. 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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