Vehicle and collateral recovery across all 50 states for lenders, dealerships and private owners. Serving clients since 1999.
What We Repossess
Professional Vehicle and Collateral Recovery Across All 50 States
Nationwide Repo provides repossession services for banks, credit unions, finance companies, auto dealerships, lienholders, and private vehicle owners throughout the United States.
Established in 1999, we handle recovery assignments involving passenger vehicles, commercial trucks, recreational vehicles, boats, construction equipment, and other secured assets. Our nationwide network of recovery agents and investigators allows clients to arrange collateral recovery in all 50 states through one company.
Some assignments involve vehicles at known locations. Others require additional investigation because a borrower has moved, the collateral has been concealed, or previous recovery attempts have been unsuccessful.
We handle both routine assignments and difficult recoveries, including cases requiring additional skip tracing and field investigation.
No Recovery, No Fee: Our standard repossession service operates on a contingency basis, subject to the conditions of the assignment agreement.
Recovering collateral involves more than locating a vehicle and dispatching a tow truck. The person requesting recovery must have the appropriate legal authority, the field agent needs accurate information, and the recovery must be carried out within applicable legal restrictions.
Nationwide Repo coordinates assignments involving lenders, private clients, case managers, investigators, and regional recovery agents. Each has a different role in moving an assignment from initial authorization to a completed recovery.
A case manager helps coordinate the process and serves as a point of contact for questions and case developments.
An assignment with an accurate VIN, a recent location, and supporting documentation generally gives an investigator a better starting point than one with incomplete records or an address that has not been verified.
However, knowing where a vehicle is located does not always mean it can immediately be recovered. Access restrictions, legal concerns, equipment requirements, and changing circumstances can affect the recovery plan.
We accept collateral recovery assignments from financial institutions holding security interests in vehicles and equipment. These assignments may involve borrowers who have defaulted on their financing agreements or collateral that has become difficult to locate.
Dealers who finance vehicles directly may need recovery assistance when customers stop making payments, relocate, or fail to return financed property. We handle individual vehicle assignments and recovery needs involving multiple accounts.
Not every recovery request originates with a bank. Some involve individuals who own a vehicle but no longer have possession of it, while others involve privately financed purchases.
These situations require additional attention to ownership documentation, contractual rights, and the legal basis for recovery. Holding a vehicle title or making the loan payments does not automatically authorize every method of taking possession.
Every recovery has its own circumstances, but a well-organized assignment helps reduce unnecessary delays and identify potential problems before field recovery begins.
Clients can begin by contacting our office or completing the online recovery order.
The order requests information about the vehicle or equipment, the person possessing it, known locations, and the party authorizing the recovery.
The online form also allows clients to provide supporting documents and photographs.
If you do not have all the paperwork available, you can begin the intake process and provide additional documentation when requested.
A recovery coordinator reviews the assignment and contacts the client if clarification or additional information is needed.
The review may involve questions about ownership, financing, liens, borrower information, previous recovery attempts, and the collateral's known condition.
The objective is to establish a usable recovery file and identify information that could affect the assignment.
For example, a vehicle believed to be at a former residence may require additional location investigation. A commercial truck that is disabled may require specialized transport arrangements.
These are different problems and should not automatically receive the same recovery approach.
When collateral is not at its reported location, additional investigation may be necessary.
Skip tracing involves developing and evaluating leads using available records, known addresses, lawful online research, and other investigative information.
A possible location is not the same as a confirmed sighting.
An old registration address, a social media post, or a previously reported location may provide useful information without establishing where the collateral is currently parked.
Field investigation can help determine whether a lead is current and whether lawful recovery is practical.
Once a vehicle or other asset is located, the recovery agent must consider access, applicable legal restrictions, and the equipment needed to recover it.
A passenger car parked in an accessible location may present fewer logistical challenges than a motorhome, disabled semi truck, or piece of construction equipment.
Likewise, a vehicle located behind security-controlled access may require a different approach from one parked in an unrestricted area.
Recovery decisions must account for applicable state law, including restrictions against a breach of the peace.
The case manager helps communicate developments and coordinate the next steps.
After a successful recovery, arrangements may involve storage, transportation, or additional handling according to the assignment, the type of collateral, and applicable requirements.
If an asset cannot be located or lawfully recovered, the assignment may require further investigation, additional instructions, or a review of whether continued recovery efforts are practical.
Not every assignment results in a completed repossession.
One of our private vehicle recovery assignments involved a woman whose former partner had taken possession of her Mercedes-Benz and stopped communicating with her.
The Mercedes was titled solely in the woman's name, and she remained responsible for approximately $800 in monthly vehicle loan payments.
She contacted Nationwide Repo for assistance recovering the car.
The individual possessing the Mercedes frequently attended events where parking areas were controlled by security.
Our recovery team developed information about where the vehicle might be located and made multiple attempts. However, the restricted parking arrangements made it difficult to reach the vehicle with a tow truck.
The challenge was not simply identifying a possible location. It was finding a lawful, practical opportunity to recover the Mercedes without attempting to force access through security-controlled areas.
Through skip tracing, internet research, and publicly available social media information, our team identified another event the individual was expected to attend.
A field agent located the Mercedes at the event, confirming that the vehicle was present.
However, the parking restrictions again prevented an immediate recovery.
Rather than repeating an unsuccessful attempt with a tow truck, the recovery approach was adjusted.
The agent returned in a personal vehicle and observed where the Mercedes was taken after the event.
After determining where the vehicle had been left, the agent returned with a tow truck and successfully recovered it.
The assignment required multiple attempts, additional investigation, and a different approach after the original recovery opportunities proved impractical.
A confirmed vehicle location and an accessible recovery location are not necessarily the same thing.
An agent can know where collateral is parked yet be unable to recover it safely or lawfully under the circumstances.
This case also illustrates the relationship between skip tracing and field recovery. Online information helped identify an opportunity, but additional work in the field was required before the vehicle could be recovered.
Repeated unsuccessful attempts do not always mean an asset is impossible to recover. Sometimes the investigation must establish a better opportunity rather than simply repeat the same approach.
This is an anonymized account of an actual Nationwide Repo recovery assignment. Personal identities and specific locations have been omitted.
The type, condition, and location of collateral affect how a recovery is planned. Equipment suitable for a passenger car may not be appropriate for a motorhome, commercial truck, or piece of heavy machinery.
Passenger vehicle recoveries require accurate identification and appropriate equipment.
A vehicle's drivetrain is one consideration. Some all-wheel-drive and four-wheel-drive vehicles have manufacturer-specific towing restrictions that may require dollies, a flatbed, or another appropriate recovery arrangement.
Using unsuitable equipment can create unnecessary mechanical damage risks.
Commercial trucks present different recovery considerations because of their size, weight, configuration, and operating condition.
A roadworthy tractor at an accessible location may present a different recovery problem from a disabled truck, one attached to a loaded trailer, or a vehicle parked in a restricted commercial facility.
Recovery equipment and transport planning should match the circumstances of the assignment.
Motorhomes and recreational trailers vary considerably in dimensions, weight, mobility, and towing requirements.
An RV that has not moved for an extended period may require an assessment of its condition before transport. Accessibility and storage arrangements can also influence the recovery plan.
Marine collateral may be stored at marinas, private properties, or storage facilities.
One important consideration is whether the vessel is already on a trailer. A boat in the water presents different logistical requirements from a boat stored on land with a suitable trailer available.
Knowing the vessel's dimensions, approximate weight, and current location can help identify the equipment and arrangements needed.
Excavators, loaders, tractors, and other heavy equipment may require specialized loading and transportation.
The equipment's operating condition, access to the site, dimensions, and transport requirements can all affect the recovery.
For unusual collateral, contact our office with the equipment details before placing an assignment.
A vehicle that is missing from its reported address is not necessarily permanently lost.
The borrower may have moved, changed employment, parked the vehicle elsewhere, or provided another person with access to it. In other cases, the address may be correct, but the collateral may be inaccessible at the time of an attempted recovery.
These situations should be evaluated differently.
Outdated Address Information
A previous residence or employment location may provide a starting point for further investigation, but additional research may be needed to establish a current lead.
Unconfirmed Vehicle Location
A reported sighting should be evaluated before assuming the vehicle is still present. Information becomes less reliable as time passes or circumstances change.
Restricted Property Access
A vehicle may be visible but inaccessible because of gates, secured parking, enclosed structures, or circumstances that prevent lawful recovery.
Knowing the location does not override property access restrictions or applicable law.
Previous Unsuccessful Recovery Attempts
Details from earlier attempts can be valuable. They may help identify whether the problem was an incorrect address, unsuitable equipment, restricted access, or another obstacle.
Collateral Moved Across State Lines
A borrower may relocate to another state while still possessing the financed collateral. Recovery coordination may then involve different agents, geographic conditions, and state-specific legal requirements.
Nationwide Repo accepts difficult-to-locate collateral assignments, including cases other recovery providers have been unable to complete.
We cannot guarantee that every vehicle will be located or recovered. The available information, legal circumstances, and practical recovery opportunities determine what can be done.
A repossession must have an appropriate legal basis.
For secured transactions, Uniform Commercial Code Article 9 provides an important framework governing a secured party's rights after default.
Under UCC § 9-609, a secured party generally may take possession of collateral after default through judicial process or, where permitted, without judicial process if recovery can be completed without a breach of the peace.
However, a right to repossess collateral does not automatically authorize entry into every location or permit a recovery agent to disregard applicable restrictions.
State laws, the underlying agreement, and the specific circumstances must be considered.
A creditor's instructions should reflect the current status of the account and the legal authority to proceed.
For example, a payment arrangement, reinstatement, bankruptcy proceeding, court order, or assignment cancellation may affect whether recovery remains authorized.
That makes communication between the party ordering the repossession, the case manager, and the field agent important.
Continuing an assignment after the authority to recover has changed can create serious legal and financial consequences.
Private owners and privately financed sellers may have different rights depending on title ownership, contractual terms, security interests, and applicable law.
Being listed on a title or making the payments can be relevant, but these facts alone do not resolve every dispute over possession or authorize every recovery method.
If ownership or possession is contested, additional documentation or legal review may be necessary before an assignment can proceed.
This information provides general context. It is not legal advice, and individual state laws and circumstances may impose additional requirements.
A complete recovery file gives the case manager and investigator a better foundation for evaluating the assignment.
You do not need to know every detail before contacting us. However, supplying accurate information can help reduce follow-up questions and avoid unnecessary field attempts.
Depending on the assignment, supporting records may include:
Our online order system allows supporting documents to be uploaded during intake or supplied later as needed.
Nationwide Repo coordinates asset recovery throughout the United States through its network of recovery agents and investigators.
This nationwide coverage helps clients who have collateral in multiple states or need assistance outside their usual recovery markets.
A borrower may relocate, a vehicle may be transported across state lines, or a creditor may discover that the collateral is no longer located at its original address.
Those situations can require additional investigation and recovery coordination in a different geographic area.
National coverage does not eliminate local recovery requirements. Access restrictions, legal procedures, equipment availability, and field conditions may differ by location.
Our state coverage directory provides information about repossession services throughout the United States.
Nationwide Repo has provided vehicle and collateral recovery services since 1999.
We are a member of the Contingent Asset Recovery Specialists of America (CARSOA), a professional association focused on contingent asset recovery and difficult repossession assignments.
CARSOA represents recovery companies serving lenders whose collateral has not been recovered through conventional recovery efforts. Its association provides a professional Code of Ethics for members.
Our experience includes difficult-to-locate vehicles, unsuccessful previous recovery attempts, private-party recoveries, and assignments requiring investigation beyond an initial address search.
The Mercedes-Benz recovery described above is one example of how real field conditions can require additional research and adjustments to the recovery approach.
Our purpose is to help clients understand their recovery options and coordinate assignments based on the actual information and circumstances involved.
Nationwide Repo offers contingency-based repossession services. Under our standard arrangement, the recovery fee is tied to a successful recovery rather than an upfront fee simply to open an assignment.
Every client should review the applicable Hold Harmless and Repossession Authorization Agreement before placing an order. The agreement outlines recovery fees, cancellation conditions, and any other charges or obligations that may apply to the assignment.
Have a question about a particular vehicle, unusual collateral, or the terms of an assignment? Contact our office before authorizing the recovery so you understand the conditions.
Yes. We accept assignments involving previous unsuccessful recovery attempts. Information about earlier efforts can help determine whether additional skip tracing or a different recovery approach is appropriate.
No. A vehicle may be located in a secured parking area, enclosed structure, or another location where immediate recovery is impractical or prohibited. The agent must consider access, the circumstances, and applicable legal requirements.
Yes. We handle recovery assignments across all 50 states. Interstate cases may require updated location information and coordination with agents operating in the state where the collateral is found.
Private owners can contact us to discuss their circumstances. The available recovery options depend on ownership documentation, legal authority, and any dispute concerning possession of the vehicle.
You can contact our office or begin the online intake process with the available information. A recovery coordinator can explain which supporting records are needed before the assignment can proceed.
There is no universal recovery timeline. A vehicle at an accessible confirmed location presents a different situation from one requiring extensive investigation or specialized equipment.
The case manager can discuss the assignment status and whether additional investigation is appropriate. Fees and obligations are governed by the applicable assignment agreement, including any cancellation or closeout conditions.
Whether you are a lender managing defaulted vehicle loans, a dealership handling a financed vehicle, or a private owner seeking help with a difficult recovery, Nationwide Repo can review your assignment.
Since 1999, we have provided nationwide asset recovery services involving passenger vehicles, commercial trucks, recreational vehicles, boats, heavy equipment, and other collateral.
To begin, have the vehicle identification, known location information, and available ownership or lien documentation ready.
Call 800-425-5075
Submit a Recovery Assignment Online →
A recovery coordinator can review the information and help determine the next step.
Speak with our team or submit the details of your case through our online order form.
