North Carolina Repossession Laws

The Associates Asset Recovery mission is to provide the highest standards of recovery services, both public and private property impound to customers in North Carolina and South Carolina, in a professional and cost-efficient manner.

Our staff works closely with financial loan companies, banks, title loan companies, and other clients to help them recuperate the value of their assets in timeliest and most competent way possible.

North Carolina Repossession Laws

Title State:

All motor vehicles driven or moved upon the highways of the state are required to be titled. Mobile homes are titled. Boat titling is optional.

Recovery Requirements:

Self-help repossession is permitted as long as there is no breach of peace.

Deficiency Balance:

Judgment notes are invalid and deficiency is permitted only if the debt is not for the purchase price.


The state provides the debtor ten (10) days to redeem, redemption only allowed prior to foreclosure and sale.

Title Information:

Information regarding the repossession title process in this state can be obtained by contacting or writing: Department of Transportation, Division of Motor Vehicles, 1100 New Bern Avenue, Raleigh, North Carolina 27697, Phone (919) 733-3025, Fax (919) 733-6948. North Carolina offers a Fast Title Service.

Licensing Requirements:



Remain with the owner.

Security Interests:

Shown on the title. Title mailed to/held by Lienholder.

Please feel free to contact us with any questions!