Pennsylvania Repossession Laws / Recovery Requirements

Quick Answers:


Where do I refer to for Title or License Registration?

For state Title and License Information, refer to:


Pennsylvania Department Of Transportation
1101 South Front Street
Harrisburg, PA 17104


Telephone: 1-800-932-4600

Security Interests:

Shown on title held by lienholder.


Recording Requirements:

Per the Uniform Commercial Code (UCC) adopted in July, 1954: A copy of the Security Agreement recorded in the county whee mortgagor resides except as to motor vehicles.

Recovery Requirements:

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

Redemption Requirements:

Fifteen (15) days redemption.

Deficiency Requirements:

Judgment note permitted and deficiency is permitted if security agreement so provides.

Special Motor Vehicle Provisions:

Liens must be recorded on face of title and lien statement delivered to Secretary of State. Liens good for five years.

Documents Required to Transfer Ownership of Motor Vehicle:

Debtor’s certificate of title; certified copy of agreement; certified copy of the notice of sale sent to the debtor; statement from encumbrance holder.


Documents Required for Liquidation:

1) Seizure Notice, Notarized 2) Notarized copy of contract front and back sides 3) Title odometer statement. The lender acts as the “SELLER” and includes his title next to his signature in both cases. 4) Copy of redemption letter to debtor, notarized 5) Copy of certified mail receipt used to send out the redemption letter, notarized 6) Motor Vehicle Form MV216A (request from your repossessor) 7) Bill of Sale, Notarized 8) Letter authorizing repossessor to sell for high bid and the dollar amount.



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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