# Vehicle repossession software that keeps every assignment, photo and notice on one board

> Vehicle repossession is a secured creditor taking back collateral after default. Under UCC section 9-609 a creditor may use self help repossession only without breach of the peace, and section 9-611 requires notification before the collateral is disposed of, with a right to redeem under section 9-623. Neurobird holds every assignment from every lender on one board, with condition photos, personal property inventory and the notice timeline attached.

- URL: https://neurobird.com/repossession/
- Product: Neurobird Vehicle Repossession Audit Platform
- Niche: vehicle repossession
- Buyer: repossession agencies
- Status: in development, open for early access
- Updated: 2026-08-21

## What Neurobird Vehicle Repossession does

- Hold every assignment from every lender portal on one board with one status vocabulary
- Capture condition photos and personal property inventory at the moment of recovery, timestamped
- Track the notice and redemption clock so a disposition is not challenged later
- Bill and close assignments from the same record the field is already updating

## How it works

1. **One board across lenders** Assignments from every portal and forwarder land on one board with one status vocabulary, so the day is planned once.
2. **Evidence captured at the curb** Condition photos, plate and VIN, and a personal property inventory are captured timestamped at recovery, not typed up that night.
3. **Clocks that do not slip** Notice, redemption and storage clocks run per assignment, so disposition happens on a defensible timeline.

## From the source material

> Personal Property in the Vehicle Your lender can’t keep or sell personal property found inside your repossessed vehicle at least until a certain amount of time has passed, which will depend on your state’s laws.

Source: consumer.ftc.gov, https://consumer.ftc.gov/articles/vehicle-repossession

## Industry context

- **9-609** The Uniform Commercial Code section permitting self help repossession only if the secured party proceeds without breach of the peace. (source: Cornell Legal Information Institute, UCC 9-609, https://www.law.cornell.edu/ucc/9/9-609)
- **9-611** The notification requirement before disposition of collateral, which is where a technically clean recovery still becomes a claim. (source: Cornell Legal Information Institute, UCC 9-611, https://www.law.cornell.edu/ucc/9/9-611)
- **9-623** The debtor right to redeem collateral before disposition, which is why storage and release handling has to be recorded. (source: Cornell Legal Information Institute, UCC 9-623, https://www.law.cornell.edu/ucc/9/9-623)
- **2022-04** A federal compliance bulletin on unfair or deceptive acts in auto repossession, including wrongful repossession and property handling. (source: Consumer Financial Protection Bureau bulletin 2022-04, https://www.consumerfinance.gov/compliance/supervisory-guidance/cfpb-bulletin-2022-04-mitigating-harm-from-repossession-of-automobiles/)
- **1 report** A federal research report on repossession in auto finance, the reference lenders cite when they tighten agency requirements. (source: Consumer Financial Protection Bureau research, https://www.consumerfinance.gov/data-research/research-reports/repossession-in-auto-finance/)

## Pricing

- Single agency: $110 per agency, per month
- Working agency: $240 per agency, per month
- Multi state: $460 per agency, per month

## Questions

### What is vehicle repossession?

Vehicle repossession is a secured creditor taking back collateral after default. Under UCC section 9-609 a creditor may repossess without a court order only if it proceeds without breach of the peace, and section 9-611 requires notification before the vehicle is disposed of. The mechanics differ by state but that framework is close to universal.

### What is breach of the peace?

The line that stops a self help recovery. It is deliberately not defined by a fixed list, so it turns on facts: confrontation, a locked garage, a threat, an argument at the scene. It is the single largest legal exposure in the trade, and it is decided on evidence captured in about 90 seconds at the curb.

### Why does personal property matter so much?

Because the lender bought the collateral, not the contents. Personal property has to be inventoried, stored and returned, and a missing item is a complaint that arrives weeks later with no photograph to answer it.

### Does this replace lender assignment portals?

No. Lenders keep their portals. This gives you one board across all of them, one status vocabulary, and the field evidence attached where you can find it 8 months later.

## Sources

- [UCC 9-609, secured party right to take possession](https://www.law.cornell.edu/ucc/9/9-609)
- [UCC 9-611, notification before disposition](https://www.law.cornell.edu/ucc/9/9-611)
- [CFPB bulletin 2022-04](https://www.consumerfinance.gov/compliance/supervisory-guidance/cfpb-bulletin-2022-04-mitigating-harm-from-repossession-of-automobiles/)
- [CFPB research, repossession in auto finance](https://www.consumerfinance.gov/data-research/research-reports/repossession-in-auto-finance/)

## Contact

- office@neurobird.com
- https://neurobird.com/