North Carolina Repossession Laws / Recovery Requirements

Quick Answers:


Where do I refer to for Title or License Registration?

For state Title and License Information, refer to:


North Carolina Division of Motor Vehicles

Vehicles Registration

1100 New Bern Avenue

Raleigh, North Carolina 27696


Telephone: (919) 733-3025


Fee for search of records is $4.00 for certificate of records.

Security Interests:

Shown on title held by lienholder.


Recording Requirements:

Per the Uniform Commercial Code (UCC) adopted in June, 1967: Filed with the clerk of the Superior Court in the county where mortgagor or buyer resides; if a non-resident, recorded where the property is located. Liens on motor vehicles must be recorded on certificate of title.

Recovery Requirements:

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

Redemption Requirements:

No right of redemption after foreclosure and sale.

Deficiency Requirements:

Judgment notes are invalid and deficiency is permitted only if debt is not for the purchase price.

Special Motor Vehicle Provisions:

Certificate of lien is sent to Department of Motor Vehicles. Effective against third parties and need not be otherwise recorded — liens recorded on title and sent to first lienholder.

Documents Required to Transfer Ownership of Motor Vehicle:

Title in debtor’s (or lienholder’s) name, affidavit of repossession.


Documents Required for Liquidation:

Title and Repossession Affidavit, Out of State Repossession titles and affidavits are accepted.



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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