California:

 

Send out a Default Notice;

 

Wait until default notice expires

 

Confirm Borrower did not bring the account current;

 

Place a restriction on the system-You must approve payments;

 

Retain a Repossession Company;

 

Once repossessed and you receive confirmation of such….

 

Send out a Notice of Intent to Dispose (Reinstate or Redeem)

 

Authorize the unit to be sold after the required time has expired

 

Receive the check from the Auction

 

Send out a deficiency notice

 

Determine the collectability of the obligation

 

Assign to legal or collection agency