How Many Months Behind Before Car Repo?

by Shelly Morgan
The Uniform Commercial Code prohibits the repo man from breaching the peace while repossessing your car.

If you've missed a car payment, you've got good cause to start getting nervous. While laws on repossession vary from state to state, most can be harsh if you haven't made your car payments. If possible, you're better off getting ahead of the repo man by notifying the lender as soon as possible and trying to work out a payment plan.


Double-check your car loan because it defines when you are in default. While some car loans define default as missing a single payment, others might define it as missing two payments. If the bank believes you are a flight risk, you might have as little as ten days after defaulting on your loan.

Next Steps

Many lenders are motivated to work out payment plans because they don't want to sell the car for its depreciated value. Having you pay the amount due without having to repossess the car is in everyone's best interest.

Final Steps Before Repossession

If you cannot pay the amount due and the car dealer is not amenable to negotiate, consider removing any valuables from the car and any improvements you have made, such as a bicycle rack or stereo system. While most lenders may not notify you before they repossess your car, many states require that the lender notify you before they sell it. This gives you one last chance to pay the balance due and other costs associated with repossession.

About the Author

Shelly Morgan has been writing and editing for over 25 years for various medical and scientific publications. Although she began her professional career in pharmacological research, Morgan turned to patent law where she specialized in prosecuting patents for medical devices. She also writes about renal disease and hypertension for several nonprofits aimed at educating and supporting kidney patients.

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