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T 16 affidavit of repossession 2025

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The document is a Georgia Department of Revenue Motor Vehicle Division Affidavit of Repossession (Form T-16), which certifies the repossession of a vehicle due to the owner's failure to meet lien obligations. It outlines the submission process, required documents, fees, and instructions for completing the affidavit, emphasizing that any alterations will void it. The affidavit must be notarized and submitted to the local county tag office.

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What is an affidavit of repossession?

Definition of Repo Affidavit Lenders typically use this sworn statement to affirm that lawful procedures were followed during the recovery process, including details like the debtors default status and location of the vehicle at the time of repossession.

What does a repossession letter mean?

If you get behind on your car payments or dont have auto insurance, the loan company can take your car. This is called vehicle repossession. If your car is repossessed, you must act quickly to get it back.

What are the two types of repossession?

Types of repossession Repossessions may be voluntary or involuntary. Involuntary repossessions occur when the lender seizes your collateral by force, typically through a repossession agent. Voluntary repossession is when you arrange to surrender your secured collateral to your lender.

How many missed car payments before repo in Georgia?

It is important to keep up with your car payments because a creditor can repossess your vehicle after one late payment. If you are late on your payment, but can gather some money, you may be able to make up the late payment before the loan officially goes into default.

How do I stop a car repossession in Georgia?

Bankruptcy. Filing for bankruptcy is a drastic but effective means to stop car repossession. In Georgia, Chapter 13 bankruptcy, in particular, can be a powerful tool. Upon filing, an automatic stay goes into effect, halting any repossession attempts while your case is in progress.

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What happens if the repo man never finds your car?

If a repossession company cannot locate your car to repossess it, several outcomes may occur: Extended Search: The repossession agent may continue searching for the vehicle. They often have access to databases and tools that help them track down vehicles.

What are the repossession laws in Georgia for cars?

Vehicle Repossession Laws in Georgia If, at any time during the agreed payment period, the borrower defaults on the loan or falls behind on payments, the lender has the right to take the car back. This is called Vehicle repossession, and it is perfectly legal in the state of Georgia.

What are the rules for car repossession in Georgia?

In Georgia, a car creditor must notify you within ten days from the day of repossession. But if you decline to do so, the lender is obliged to take the vehicle back to sell it or auction it. However, if the car sells for less than you still owe, the creditor will come for the deficiency balance.

T 16 affidavit of repossession 2025

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What is an affidavit of repossession?

What does a repossession letter mean?

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How many missed car payments before repo in Georgia?

How do I stop a car repossession in Georgia?

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What happens if the repo man never finds your car?

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