South Dakota Repossession Service

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

Click below to order a repossession in South Dakota.

South Dakota does not require a repo company or repo agent to hold a license to perform repossession services. The Secretary of state does require that most businesses be registered with their department as a business. South Dakota is not a right to cure state so lien holders holders can repossess their collateral as soon as the loan is delinquent. Though in most cases the lien holder will not order a repossession until the loan is past due for two full payments. If however the loan was signed in a right to cure state then the lender should follow the repossession notification requirements of that state. Federal law requires that once a repo has taken place the creditor is mandated to notify the consumer of their right to redemption. The right to redemption allows a debtor to reclaim their property after it has been taken by a creditor. To redeem, the debtor must pay the full loan balance, plus repossession fees within fifteen days of the redemption notice. As always all repossessions must occur without the peace being breached.

South Dakota has been experiencing an oil boom for the last few years. Oil field workers, also called roughnecks have migrated mainly from Texas to work the oil fields in South Dakota. Many of these roughnecks stop paying their vehicle loans once they move here to South Dakota. Probably because they are living in company housing that is fenced in and has a gate guard. They think that they are repo proof. All week long the roughnecks have been working 10 to 12 hour days. Come Friday night the same fence that keeps the repo trucks out makes the roughnecks feel claustrophobic and they have to get out. Most of them drive off of the oil fields, get a hotel room and go drink at a local bar. Most of these areas have significant methamphetamine problems. It has been our experience that the individuals with the methamphetamine problems are the individuals that aren't making their loan payments. That's where our license plate reader (LPR) cameras come into play. When they drive into town on Friday night we have every LPR camera out there trying to find the vehicles we are after. In addition to our mobile LPR cameras we have stationary LPR cameras set up that will notify us as soon as a target vehicle we are after drives by. We start checking hotel and bar parking lots with our mobile LPR cameras till we locate and identify where it is parked at which time we land a repo truck on it and secure your collateral. The roughnecks don't stand a chance.

Speedy Repo does not just focus on roughnecks in the oil industry. We can handle all of your repossession needs in South Dakota. We are so certain that we can locate and recover your collateral that we operate on a contingent basis. If we don't locate and recover your collateral we will not send you a bill.

South Dakota Repo Offices- Aberdeen Belle Fourche Brookings Chamberlain Clark Custer Eagle Butte Hot Springs Huron Madison Milbank Mitchell Mobridge Pierre Rapid City Sioux Falls Sisseton Spearfish Sturgis Vermillion Watertown Winner Yankton Plankinton, Huron, Martin, Tyndall, Brookings, Aberdeen, Chamberlain, Gann Valley, Belle Fourche, Mound City, Lake Andes, Clark, Vermillion, Watertown, McIntosh, Custer, Mitchell, Webster, Clear Lake, Timber Lake, Armour, Ipswich, Hot Springs, Faulkton, Milbank, Burke, Philip, Hayti, Miller, Alexandria, Buffalo, Pierre, Olivet, Highmore, Kadoka, Wessington Springs, Murdo, De Smet, Madison, Deadwood, Canton, Kennebec, Britton, Salem, Leola, Sturgis, White River, Howard, Sioux Falls, Flandreau, Rapid City, Bison, Gettysburg, Sisseton, Woonsocket, Hot Springs, Redfield, Fort Pierre, Onida, Winner, Winner, Parker, Elk Point, Selby, Yankton, Dupree

South Dakota title, and repossession requirements:

South Dakota Repossession Title State: Repossessor License and Repossessor Registration information refer to: South Dakota Repossession Division of Motor Vehicles, 118 W. Capitol Avenue, Pierre, South Dakota 57501-2080

South Dakota Repossession Recording: Recorded with County Registrar of Deeds. Uniform Commercial Code adopted July, 1967.

South Dakota Repossession Recovery: Peaceful repossession permitted.

South Dakota Repossession Redemption: None after resale by lien holder or repossessor.

South Dakota Repossession Deficiency: If lien instrument provides.

Special South Dakota Repossession Motor Vehicle Provisions: Lien instrument and certificate of title is delivered to the County Registrar of Deeds and the South Dakota Repossession lien is noted on the title when the lien instrument is filed.

South Dakota Repossession Documents Required to Transfer Ownership of South Dakota Repossession Motor Vehicle: Certificate of title with lien release, certified copy of contract, affidavit of repossession and application for South Dakota Repossession title or certified Power of Attorney.

South Dakota Repossession Plates: Remain with the vehicle or repossessor.