Colorado Repossession Laws / Recovery Requirements

Quick Answers:


Where do I refer to for Title or License Registration?

For state Title and License Information, refer to:


1881 Pierce Street
Lakewood, Colorado
Phone: (303) 205-5607
Fax: (303) 205-5978
Hours of Operation:
8:00 a.m. to 5:00 p.m.

Mail Correspondence to:
Division of Motor Vehicles
Department of Revenue
Registration Section
Denver, Colorado 80261-0016



For all other inquiries, the main office location of the Colorado Division of Motor Vehicles is

1881 Pierce St.
Lakewood, CO 80214
Hours of Operation:
Monday – Friday, 8:00 a.m. – 5:00 p.m.


Telephone: (303) 205-5600
Security Interests:

Shown on title held by lienholder.


Recording Requirements:

Must be recorded in the County Recorders office where buyer resides or where property is located. Uniform Commercial Code adopted July, 1966.


Recovery Requirements:

As per the UCC, repossession is allowed and permitted as long as it is peaceful, after 20 Day Right to Cure Letter from lienholder to debtor (except skips, leases, lack of insurance or third party possession). The Debtor must be sent a Consumer’s Right to Cure allowing debtor 20 days to bring account current.


Redemption Requirements:

No redemption after foreclosure.


Deficiency Requirements:

Deficiencies are permitted and confession of judgment notes do not render the note illegal.


Special Motor Vehicle Provisions:

Liens on motor vehicles, in order to be effective as to third parties, must appear on title. This is in lieu of general recording. Secretion or concealment of mortgaged property is a crime.


Documents Required to Transfer Ownership of Motor Vehicle:

Repossession title in name of lienholder which is then signed off before release.


Documents Required for Liquidation:

Repossession title is issued to lien-holder only. Title and DR412 (Repossession Affidavit) and Application for New Title. Lien-holder may sell vehicle without first applying for new title.



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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