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Illinois Repossession Laws

With those that live in the state of Illinois in mind, MLS has pieced together a resource of information, including many bits of relevant rules pertaining to repossession in the state and its property recovery provisions.

To clarify, for the act of repossession to happen in the state of Illinois, it is a must to know that security interests need to be shown on the title that stays with the lienholder. Also, license plates must stay with the debtor. Repo can only be allowed by the state if there is no disturbance in the peace. If you need more info on license registration, please contact the Illinois Department of Vehicle Services at (217) 782-6212. And finally, you should know that the title and an affidavit of defense along with a 21-day redemption period will be required for liquidation to take place.

We hold the highest amount of pride providing our Illinois clients with repos that range from small items to expensive houses and cars. What's more, we will be happy to process your item from its repossession to the eventual remarketing/selling aspect. Furthermore, we also have the ability to store and stage your recovered item for resale.

Contact us today for more information, consultation and quote. Our company can be reached at (630) 358-9434.  


As reported by the American Recovery Association, Inc. (ARA).

Illinois Repossession Laws
SECURITY INTERESTS: Shown on title held by lien holder.
LICENSE REGISTRATION: Illinois Department of Vehicle Services, Centennial Bldg., Room 408, Springfield, Illinois 62756. Tel: (217) 782-6212.
RECOVERY REQUIREMENT: As per UCC, Illinois repossession allowed without committing a breach of the peace.
DOCUMENTS REQUIRED FOR LIQUIDATION: After Repossession, the lien holder shall mail the Affidavit of Defense to the registered owner’s last known address giving the owner 21 days from the date of the certified mail to redeem this unit. The vehicle may not be sold or transferred during this period.
PLATES: Remain with the debtor.

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