Michigan Repossession Laws / Recovery Requirements

Quick Answers:


Where do I refer to for Title or License Registration?

For state Title and License Information, refer to:


Michigan Bureau of Driver and Vehicle Records

7064 Crowner Drive

Lansing, Michigan 48918


Telephone: (517) 322-1460


Fee for search of records is $6.00 per item.


Security Interests:

Shown on title held by debtor.


Recording Requirements:

Per the Uniform Commercial Code (UCC) adopted in January, 1964: With Registrar of Deeds in county where mortgagor resides or where property is located. A financing statement required to be recorded with Registrar of Deeds and must be noted on the Certificate of Title as well.

Recovery Requirements:

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


Repossesses must hold valid collection agency License and Regulation from:


Collection Practice Board

P.O. Box 30018

Lansing, Michigan 48909


Telephone: (517) 241-9239

Redemption Requirements:

Fifteen (15) days after repossession.

Deficiency Requirements:

Permitted if security agreement so provides and if notice and sale provision of act is followed.

Special Motor Vehicle Provisions:

Affidavit of lien filed with Secretary of State and lien noted on Certificate of Title. Comprehensive Motor Vehicle Retail Installment Act in force.

Documents Required to Transfer Ownership of Motor Vehicle:

Application for title in lienholder’s name, certified copy of contract, notarized Power of Attorney, affidavit of repossession.


Documents Required for Liquidation:

Title must be in lienholder’s name. Forward application for title accompanied by a certified copy of the security agreement and an affidavit of repossession.



Remain with the owner / debtor.



QuickRepo.com does not warrant the accuracy of these laws. The laws listed on QuickRepo.com 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.

View repo laws at RepoLaws.info and repossession laws at RepossessionLaws.info

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