Alabama Repossession Laws / Recovery Requirements

Quick Answers:


Where do I refer to for Title or License Registration?

For state Title and License Information, refer to:


Alabama Motor Vehicle Division

P.O. Box 327630

Montgomery, Alabama 36132-7630


Telephone: (334) 242-9056.


Fees for registration and title will vary.


Security Interests:

Shown on title held by lienholder.


Recording Requirements:

The Uniform Certificate of Title is effective from 1975 model vehicles and beyond, but is not retroactive to older vehicles, regardless of Title status from other states.


Recovery Requirements:

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


Redemption Requirements:

Acceleration of balance.  The Uniform Commercial Code supersedes all other provisions here.


Deficiency Requirements:

Collectible after a public or private sale.


Special Motor Vehicle Provisions:

Repeated acceptance of delinquent payments should be cured; repeated acceptance of delinquent payments interpreted as a waiver of contract. Debtor should be notified at least ten (10) days prior to sale of vehicle that same will be sold at public or private sale, (public sale not mandatory), and advised the specific amount owed (including recovery costs).


Documents Required to Transfer Ownership of Motor Vehicle:

Certificate of Title, Affidavit of Repossession, Bill of Sale showing gross sale proceeds and the odometer reading, (all liens on face of Title should be released by lienholder). Repossession Title in lienholder’s name not required.


Documents Required for Liquidation:

A MVT-15-1 (a repossession affidavit) and the original released title.



Remain with the debtor / owner, 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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