Thank you for your patience.
In Wisconsin, a creditor can repossess a motor vehicle if it mails a notice to the customer with the following information:
1) The name, address, and telephone number of the creditor, a brief identification of the credit transaction, and a brief description of the motor vehicle.
2) A statement that, as a result of the customer’s default on the loan, the creditor has the right to take possession of the motor vehicle without further notice or court proceeding.
3) A statement that if the customer is not in default or objects to the creditor’s right to take the motor vehicle, the customer may, no later than 15 days after the creditor has given the notice, demand that the creditor proceed in court by notifying the creditor in writing.
4) A statement that if the creditor proceeds in court, the customer may be required to pay court costs (i.e. filing fee and mailing cost) and attorney fees (usually $100-$500).
In other words, once they notify you by mail, you then have 15 days to notify them in writing that you object to the creditor's claims or right to take the vehicle. So if you haven't even been notified, you still have time.
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