The Repossession Law in North Carolina outlines the circumstances under which possessions can be repossessed. These conditions include:

• Repossession in NC is permissible if you have signed an agreement, utilizing the property as collateral for a loan
• Failure to adhere to the loan agreement terms may lead to immediate repossession of the vehicle.
• Any vehicle encumbered with a loan, such as RVs, motorcycles, ATVs, boats, or airplanes, may be subject to repossession.
• North Carolina vehicle repossession companies, although possessing legal rights to recover vehicles, must comply with specific rules governing the manner and location of repossession.
• Repossession agents in North Carolina cannot enter your home without an invitation to recover your property.
• Violence is strictly prohibited for repossession of vehicles or other property by North Carolina repossession agents.
• Repossession is not allowed if a repo agent deceives you into bringing your vehicle into a shop and then repossesses it after your departure. ***However, if you voluntarily bring it in, the repo agent has the right to reclaim it.
• A court hearing is not necessary for a lending company to repossess your car or truck in North Carolina.
• Notification prior to vehicle repossession is not required by North Carolina repossession agencies.