Florida Repossession Laws / Recovery Requirements

Quick Answers:


Where do I refer to for Title or License Registration?

For state Title and License Information, refer to:


Florida Division of Motor Vehicles

Neil Kirkman Building

Tallahassee, Florida 32399


Telephone: (904) 488-3881


Fee for search of records: $1.00.

Security Interests:

Shown on title held by lienholder.


Recording Requirements:

Per the Uniform Commercial Code (UCC) adopted in January, 1967, must be recorded with Clerk of Circuit Court where property is first located.

Recovery Requirements:

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

Redemption Requirements:

Debtor can redeem only prior to sale or foreclosure by payment of entire balance.

Deficiency Requirements:

Confession of judgment invalid in foreclosure proceedings. Court can enter deficiency judgment.

Special Motor Vehicle Provisions:

Sworn notice of lien must be filed with Commissioner of Motor Vehicles and will appear on title in lieu of general recording statute.

Documents Required to Transfer Ownership of Motor Vehicle:

Title must be reduced to lienholder’s name.


Documents Required for Liquidation:

All Florida titles must be converted to lienholder’s name. Some out of state repossession affidavits are accepted..



Remain with the owner / debtor.



QuickRepo.com does not warrant the accuracy of these laws. The laws listed on QuickRepo.com 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.

View repo laws at RepoLaws.info and repossession laws at RepossessionLaws.info

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