Iowa Repossession Service

Speedy Repo has repossessors and repossession agents throughout the State of Iowa.

Click below to order a repossession in Iowa.

Iowa is a right to cure state, this requires any lien holder  to send a notice to the debtor explaining that they have 20 days to cure the deficiency on their loan or the lien holder intends to repossess the collateral if the loan is not paid contractually current. The right to cure notice stays in effect for 365 days once mailed by the lien holder. The loan must be delinquent for at least 10 days before the collateral is repossessed. The lender also has the right to repossess the collateral if the debtor has allowed their vehicle insurance to lapse provided that the right to cure notice was mailed to the debtor in the last 365 days. As always, federal law requires that the peace not be breached by the repossessor while the collateral is being repossessed. It is always a good idea to provide your repossessor with a copy of the right to cure notice sent to your debtor. Many out of state lenders get in trouble  on a loans that were signed in a state that does not have a right to cure notice requirement and then their debtor moves to Iowa. The lien holder then orders a repossession without ever sending a right to cure notice. The state of Iowa does not license repossessors.

For the most part Iowans are "salt of the earth" people. They are hard working and very honest. Overall, our Iowa offices encounter far fewer repossession assignments where the lien holder was defrauded by their debtor. We are assigned two voluntary repossessions for every involuntary repossession assignment that comes in. Of course we do have excellent skip tracers that will locate anyone that goes on the run with your collateral. We have more license plate readers throughout Iowa than all the other Iowa repo companies combined. All of our repo agents are consummate professionals that focus on safety of the public, your collateral and themselves all while staying within the confines of local, state and federal laws. Please consider Speedy Repo services to handle all of your Iowa repossession assignments.

Speedy Repo has quite a bit of experience in recovering agricultural farm equipment. We have low boy trailers for transporting even the largest combines, tractors and tillage tools. We are also experienced in repossessing large cranes and associated equipment from wind farm operations. We also have large storage secure storage facilities throughout Iowa to keep your collateral safe until auction or redemption takes place. We can fast track wide load permits and have lead and chase vehicles ready to roll at any time of the day. When you need to repossess your collateral you want it done quickly, you need Speedy Repo.

Iowa Repo Offices- Adel Albia Algona Altoona Ames Anamosa Ankeny Atlantic Audubon Bettendorf Bloomfield Boone Burlington Carroll Cedar Falls Cedar Rapids Centerville Chariton Charles City Cherokee Clarinda Clarion Clear Lake Clinton Clive Coralville Council Bluffs Cresco Creston Davenport De Witt Decorah Denison Des Moines Dubuque Dyersville Eldora Eldridge Emmetsburg Estherville Fairfield Forest City Fort Dodge Fort Madison Glenwood Grinnell Hampton Harlan Hiawatha Humboldt Independence Indianola Iowa City Iowa Falls Jefferson Johnston Kalona Keokuk Knoxville Le Mars Manchester Maquoketa Marion Marshalltown Mason City Monticello Mount Pleasant Muscatine Nevada New Hampton Newton North Liberty Oelwein Orange City Osceola Oskaloosa Ottumwa Pella Perry Red Oak Sheldon Shenandoah Sioux Center Sioux City Spencer Spirit Lake Storm Lake Tipton Urbandale Vinton Washington Waterloo Waukon Waverly Webster City West Burlington West Des Moines Winterset

Iowa Repossession Title State: Repossessor License and Repossession Registration information refer to: Iowa Repossession Office of Vehicle Services, Park Fair Mall, 100 Euclid, P.O. Box 9278, Des Moines, Iowa 50306-9278

Iowa Repossession Recording: With Recorder of Iowa Deeds of county where buyer resides: if non-resident, in any county where property is located. Uniform Commercial Code adopted July, 1966.

Iowa Repossession Recovery: Peaceful repossession permitted. (21 day right to cure law, peaceful repossession permitted.)

Iowa Repossession Redemption: May be made prior to resale or repo contract to resell.

Iowa Repossession Deficiency: Permitted after Repo sale.

Special Motor Vehicle Provisions: Security interest noted on the certificate of title. Iowa Repossession Title certificates issued by the County Treasurer of owner's county of residence and retained by secured party until satisfied.

Documents Required to Iowa Repossession Transfer Ownership of Motor Vehicle: Iowa title certification and affidavit of foreclosure of security interest. All other titles must be reduced to lien holder's name.

Iowa Repossession Plates: Remain with the vehicle or repossessor.