What Is in a Sample of a Repossession Letter?

A sample repossession letter should include the name and address of the entity repossessing, the name and address of the person whose items are being repossessed and a list of the items being repossessed and how much is owed on them. Templates for repossession letters can be found at office supply websites and stores. Legally, the entity doing the repossession needs to provide some type of repossession notice, whether before or after the repossession.

A repossession letter for items other than a car might read something like the following:

Company or entity name doing the repossession

Address of company


Name of person with defaulted items


Dear recipient,

Unfortunately, we are forced to repossess the items you purchased on a specific date due to your failure to pay a specific amount of money. A representative will come to your home on this date to collect the items that have not been paid for.

A list of items should follow and instructions on when and where to pay in order to avoid the repossession action.

A final paragraph of regret might end the letter.

The owner of a car loan is not required to write such a letter in most cases.