In most states NO. Time limit?? key word 'REASONABLE" If you think the lender took to long or is trying to be shady, call a local attorney for the rules in your state.
Simply state in the letter that you wish to surrender the vehicle, list the loan number, the VIN, or any other way to identify the vehicle and the account with the lender. Notify them where the vehicle can be picked up, and where the keys will be located. And, have it there when the agents come to recover it.
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