Maryland Repossession Laws / Recovery Requirements

Quick Answers:


Where do I refer to for Title or License Registration?

For state Title and License Information, refer to:


Maryland Motor Vehicle Administration

6601 Ritchie Hwy. N.E.

Glen Burnie, Maryland 21062


Telephone: (410) 729-4550


Fee for search of records is $2.00.

Security Interests:

Title held by debtor. Notice of security interest filing held by lienholder.


Recording Requirements:

Per the Uniform Commercial Code (UCC) adopted in February, 1964: With Clerk of Circuit Court in county in which mortgagor resides and with the Office of the Secretary of State.

Recovery Requirements:

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

Redemption Requirements:

May redeem within fifteen (15) days after repossession.

Deficiency Requirements:

Permitted if contract or mortgage so provides. Confession of judgment notes are valid, but State statute provides that retaking bars suit for price and vice-versa.

Special Motor Vehicle Provisions:

To perfect lien, record same with Clerk of Circuit Court where mortgagor resides.

Documents Required to Transfer Ownership of Motor Vehicle:

Certificate of repossession where lienholder holds the Certificate of Title. Otherwise, copy of contract and Certificate of Repossession required, notarized Bill of Sale and notarized Power of Attorney.


Documents Required for Liquidation:

Title, Notice of Security Interest Filing VR-104 (Certificate of Repossession), and VR-5 (Application for Title).



Remain with the owner / debtor, and can be transferred to replacement vehicles of the same type. 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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