I see. Thank you, Bonnie.

Yes, lenders who take repossession actions are typically required by Georgia Code Section 11-9-504 to send a "10-day letter" to the borrower, notifying him of his rights to reclaim and redeem the vehicle, so the borrower has the opportunity to cure the default.

Georgia Code Section 11-9-505 requires the lender who repossessed the vehicle to notify the borrower of the financial indebtedness that the borrower must pay off to reclaim the vehicle. This amount can include the debt amount, along with various associated costs and fees.

Here is a link that provides additional information:

http://www.ehow.com/list_6331428_georgia-car-repossession-laws.html

There is normally no need to claim fraud prior to taking possession of the vehicle, but the borrower should be in default on the contract and the contract should indicate that the lender retains the right to repossess the vehicle, as appears is the case here.

I hope this helps clarify the situation for you.

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