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Wisconsin is a voluntary repo state. You cannot legally repo w/o the following:

Wisconsin Consumer Act (WCA) prohibited creditors from repossessing collateral or goods without first obtaining a court order, unless the consumer voluntarily surrendered or abandoned the goods.

The law was changed in 2006...in Wisconsin they only need to send a letter ceritified or registered mail giving you 15 days to tell them they need to sue you in order to repossess. If they don't send the letter, there's only a $25 fine. I'm finding a lot of info on the old WCA but if you go to the state website under ch 425 it states clearly the new rules. The old law required a court order-the new law isn't highly publicized.

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15y ago

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