Virginia Repossession Laws / Recovery Requirements

Quick Answers:


Where do I refer to for Title or License Registration?

For state Title and License Information, refer to:


Virginia Department of Motor Vehicles

P.O. Box 27412

Richmond, Virginia 23269


Telephone: (804) 367-0538


Fee for search of records is $5.00.

Security Interests:

Shown on title held by lienholder.


Recording Requirements:

Per the Uniform Commercial Code adopted January, 1967: Recorded in office of Clerk of the Circuit Court of the county where property is located, if it is located in a city, then with the Clerk of the Corporation Court.

Recovery Requirements:

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

Redemption Requirements:

The State allows the debtor ten (10) days to redeem.

Deficiency Requirements:

Judgment notes are valid. Taking does not bar suit for price and vice-versa.

Special Motor Vehicle Provisions:

Liens must appear on the certificate itself and no other recording is necessary.

Documents Required to Transfer Ownership of Motor Vehicle:

Title in lienholder’s name.


Documents Required for Liquidation:

If Virginia title, must be in the name of the lienholder. Will accept repossession affidavit from other states.



Remain with the owner / debtor, and are transferable. 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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