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Self-Help Repossession

HUD Housing Counselors Glossary

Updated 10-31-2026

Self-Help Repossession

A type of repossession in which a lender's agent can take collateral away from the borrower without a court order, as with a vehicle repossession. Agents must not breach the peace or cause a public disturbance during a self-help repossession and are not permitted to take personal property other than the collateral.

HUD Housing Counselors Glossary

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