Repossession management software that checks every hold before the hook goes on and runs every state notice clock
No wrongful repossessions, every state notice sent on time.
See one case, screen by screen ↓Software that runs an auto repossession from assignment to the post-sale letter: clearing legal holds before a car is assigned, tracking it with the recovery agent, and after recovery running the state’s notice clock, the redemption window, the sale and the deficiency or surplus explanation. Repossession Management adds agents that do the searches, the clock arithmetic and the first drafts, while the recovery manager releases and signs.
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Before a car is taken, someone has to prove nothing forbids it: no bankruptcy petition and its automatic stay, no borrower on active duty whose contract predates service, no deferral agreed on the phone, no payment still settling, no promise to pay in its window, no state cure period running, no open dispute. The servicing record says 60 days past due — but it can be hours behind a phone call, a card payment or a court filing.
Once the car is recovered, the state's clocks start: police notified where the state requires it, personal property inventoried and offered back, the notice of intent or notice of disposition mailed with the exact amount to reinstate or redeem, a sale no earlier than the law allows, then an explanation of any deficiency or surplus. By hand that runs across the servicing system, the bankruptcy index, the SCRA site, call notes, a vendor portal, a spreadsheet of state rules and mail-merge letters. A cancellation e-mailed to an agent who never confirmed it is a wrongful repossession waiting for Monday.
Estimated hours per account, by hand and with the solution.
Six specialist agents clear every hold, again just before each dispatch, and run every state clock; the recovery manager releases and signs.
Monday 12 October at Saltmeadow Auto Finance: a truck is 47 minutes from dispatch, 38 accounts wait for assignment, and a recovered F-150 in Fresno has started California’s clock. Here is what happens, screen by screen, in the working solution.
Renée opens the clock board: 32 clocks running, 2 stopped by a hold, four lanes — releasing to an agent, waiting periods, notice clocks and redemption windows. Next out is Darius Kemp’s 2021 Silverado, 71 days past due, located at home and going to Lone Star Lot Recovery’s 10:00 dispatch. The 05:30 re-check was clear on Sunday’s SCRA data.
“0 wrongful repossessions since 2 Mar”
Renée presses Check now. Bankruptcy index: no filing. Hardship plans: none. SCRA status: active duty from Mon 12 Oct, Army Reserve orders. His contract of 9 Mar 2021 predates service, so the truck may not be taken without a court order. The ring turns grey, Lone Star acknowledges the stop at 09:13, and the next step is the SCRA desk.
“Hold — active duty per SCRA check this morning.” The nightly check could not have seen it: it ran on Sunday’s data.
The morning batch is 38 accounts in 7 states, $770,134 owed. Three agents run 94 bankruptcy and military searches on 38 borrowers and 9 co-borrowers, read 214 call notes and 72 hours of payments, and apply 7 states’ rules. 31 clear; 7 held — a deferral agreed by phone Friday at 15:22, a Chapter 13 filed Friday, a borrower on active duty since March 2025, a $412.00 payment still settling, a promise to pay, a Wisconsin cure period, an open dispute.
Every held account shows the rule, the source and what happens next. A held account is never sent to a recovery agent.
The assignment coordinator has split the 31 clear accounts across 8 recovery agents by region, $633,983 to recover. Renée reviews the split and releases the batch. Held accounts stay with their teams: the bankruptcy team, the SCRA desk, or a re-check on the date their deferral posts or their promise falls due.
“Your release, the time and the hold-check results for every account are written to the audit trail.”
All open assignments are tested against the 8 holds again each night. This morning the re-check suspended Gerald Owens — Chapter 7 filed Saturday — and flagged that Gulf Coast Recovery Group has gone 65 hours without acknowledging the cancellation for Monique Hart, who paid in full on Friday. Samuel Ibarra’s condition report and property inventory are still not in, 34 hours after his car was recovered.
Cancellations must be acknowledged within 4 hours, or they go to the recovery manager.
Case RC-26-04417: a 2021 Ford F-150 recovered in Fresno at 02:14 from an open lot, police notified at 02:51, no breach of the peace. The agents search bankruptcy and SCRA again, set the clock — notice by Wed 14 Oct under the 3-business-day policy, earliest sale Thu 29 Oct — and price the account: $2,978.60 to reinstate, $28,444.38 to redeem, an estimated deficiency of $5,384.38 at a $24,600 sale.
At 08:05 Andre calls Malik Henderson’s customer service team about his child seat and his tools. Six items are inventoried at the agent’s yard and held 60 days at no charge. Central Valley charges $75 to release property; under Saltmeadow’s policy the borrower never pays it, so Renée arranges the return with no fee.
“Central Valley charges $75 to release property · your policy: the borrower never pays it”
The notice is drafted on the lender’s letterhead: when and where the truck was taken, where it is held, the four itemized charges to reinstate, the full amount to redeem, the date after which it may be sold and the deficiency liability. All 9 of 9 required contents in the California rule pack are ticked, each amount tied to a ledger line.
Renée signs with her password and the meaning of the signature — “Reviewed — send as drafted”. The notice goes by certified mail with an e-mail copy on Mon 12 Oct, and the redemption window opens until the sale. Her signature, the time, the amounts and the mailing number are written to the audit trail.
“The clock now counts to Thu 29 Oct; reinstatement stays open until the sale.”
Nicole Barrett’s 2019 Camry sold at auction in Dallas for $18,900.00. She owed $17,322.50 and the costs of retaking, storing, preparing and selling came to $1,165.00, so the lender owes her a surplus of $412.50. The explanation and the refund are drafted and wait for Renée’s approval.
The same Monday, seen by the people who carry it — what their week looked like, and what it looks like now.
Six specialist agents clear every hold, again just before each dispatch, and run every state clock; the recovery manager releases and signs.
Searches the national bankruptcy index and the SCRA status site for every borrower and co-borrower — on the batch, every night, and again before each dispatch — and keeps the certificate.
Reads the servicing record, payment processors and call notes for deferrals, extensions, payments in flight, promises to pay, disputes and cancellation requests.
Applies the borrower’s state: right-to-cure notices and their periods, waiting periods, the lien on title, notice types, mailing deadlines and the earliest sale date.
Routes released accounts to recovery agents by region, makes sure every cancellation is acknowledged, and reads recovery reports, condition reports and property inventories.
Drafts the state’s notice after repossession with reinstatement and redemption amounts worked out from the ledger and the contract, and checks every required content.
Estimates sale proceeds before the sale, then works out the deficiency or surplus and drafts the explanation letter, with the refund for a surplus.
Releases each batch and signs every notice; compliance co-approves overrides. The agents propose; a named person decides.
The recovery team can ask about any borrower, hold, case or notice in plain words — or tell it what to do. Answers cite the records they rest on.
Why is Luis Ortega’s account held?
Luis is on active military duty since 3 March 2025 — the SCRA status certificate run today says so. His contract is dated 18 August 2023, before his service began. For a car bought on installment before service, federal law forbids repossession during service without a court order (50 U.S.C. §3952). The account is with the SCRA desk and cannot be overridden here.
Why did Darius Kemp’s clock stop?
Because the SCRA check this morning shows him on active duty from Mon 12 Oct — Army Reserve orders. The 05:30 re-check used Sunday’s SCRA data, so it could not see the orders; the pre-dispatch check pulls a certificate under 2 hours old. His contract of 9 Mar 2021 predates service, so the truck may not be taken without a court order.
What does Andre Whitfield need to pay to get his truck back?
Two ways: $2,978.60 to reinstate and keep the contract, or $28,444.38 to redeem — pay it off. Reinstating covers 3 missed installments of $816.20, $45.00 in late charges, the $425.00 repossession fee and 3 days’ storage at $20.00. Storage adds $20.00 a day after Wed 14 Oct; either option is open until the sale, not before Thu 29 Oct.
Return Andre’s child seat and tools today, with no fee
Booked. Central Valley holds six items from the truck, including the child seat and the tool chest Andre asked for at 08:05. He can collect them today at 15:00; I texted him the time. Central Valley’s $75 release fee is billed to Saltmeadow, not to Andre — your policy never charges a borrower for their own property.
13 screens from the working solution, on its sample data. Pick one to see it large.
Every hold, clock and approval is a setting. Changes are versioned and on the audit trail.
| Setting | Default | Choose from |
|---|---|---|
| Bankruptcy and military searches | No older than 24 hours | Borrower and every co-borrower · on or off per hold |
| Payments in flight | Last 72 hours | Card, bank and cash-network payments not yet posted |
| Promise to pay | Held to its date plus 1 business day | Held until the promised date plus this grace |
| Check again before dispatch | 15 minutes before release | Bankruptcy, a fresh SCRA certificate and hardship plans |
| Nightly re-check of open assignments | Every night at 05:30 | A new hold suspends the assignment and tells the agent |
| Cancellation acknowledged by the agent | Within 4 hours | Otherwise escalate to the recovery manager |
| Mail the post-repossession notice | Within 3 business days | Your policy, when stricter than the state · certified mail + e-mail copy |
| Earliest sale | 10 days after mailing | Or the state’s minimum, whichever is later |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample data · “target” = the design goal, measured in the live solution · “estimated” = our estimate · “typical” = published figures (Cox Automotive via Newsweek — ≈1.73M repossessions in 2024; RDN Q2 2025 volume report — 2,422,883 assignments, 20% more than Q2 2024). Statutes named are context: 11 U.S.C. §362, 50 U.S.C. §3952, UCC §9-616, Cal. Civ. Code §2983.2, Wis. Stat. §425.105. People, companies and accounts named on this page are fictional — characters and sample data in the working solution.
Software that runs an auto repossession from assignment to the post-sale letter: clearing legal holds before a car is assigned, tracking it with the recovery agent, and after recovery running the state’s notice clock, the redemption window, the sale and the deficiency or surplus explanation. Repossession Management adds agents that do the searches, the clock arithmetic and the first drafts, while the recovery manager releases and signs.
Every borrower and co-borrower is tested against 8 holds — bankruptcy, military duty, deferral, payment in flight, promise to pay, dispute, state cure period and lien on title — before assignment, every night while the assignment is open, and again 15 minutes before each dispatch on a fresh SCRA certificate. A held account is never sent to a recovery agent, and a cancellation the agent does not acknowledge within 4 hours is escalated.
Yes. The bankruptcy and military checker searches the national bankruptcy index and the SCRA status site, keeps the certificate, and compares the active-duty start with the contract date. It never clears an account without both searches under 24 hours old, and these federal holds cannot be overridden.
The notice each state requires after repossession — for example California’s notice of intent to dispose, Georgia’s notice of intent and right to redeem, and the notice of disposition in Texas, Florida and Arizona — from state rule packs reviewed by compliance. The deadline is the earlier of the state rule and your policy, the sale date the later, and every required content is checked before the recovery manager signs.
Yes. The notice writer itemizes the amount to reinstate and to redeem from the ledger and the contract. After the sale, the sale and deficiency calculator works out the deficiency or surplus line by line and drafts the explanation letter, with the refund for a surplus.
Yes. Agents never assign, send, sell, waive or demand on their own. The recovery manager releases each batch, signs every notice and letter and approves refunds and waivers; any override of a hold needs a reason and the compliance reviewer.
Yes. Each hold and its window, the pre-dispatch and nightly checks, the cancellation acknowledgement time, the notice and sale policy, personal-property handling and who approves what are all settings, versioned and on the audit trail.
The Agentic Solution Engine builds and deploys it from your requirements — your recovery policy, state coverage, letter templates and a sample of past assignments — and it goes live once every quality gate has passed. We will walk you through it on your own repossessions first.
We’ll run Repossession Management on a sample of your own assignments and recovered vehicles.