What are the Kentucky auto repo laws?

Answer 1

A lienholder may repossess a vehicle in Kentucky, provided the following conditions are met:

(a) A debt on vehicle was owed to him for more than thirty (30) days before he provided the notices required by paragraphs (b) and (c) of this subsection.
(b) Notice To Owner and Lienholders More than fourteen (14) days before presenting the affidavit to the county clerk, the person attempted to notify the owner of the vehicle and all known lienholders, including those noted on the title, by certified mail, return receipt requested, of his name, address, and telephone number as well as his intention. 186A.190

(c) Publication More than fourteen (14) days before presenting the affidavit to the county clerk, the person had published a legal notice stating his intention to obtain title to the vehicle. The legal notice appeared at least twice in a seven (7) day period in a newspaper published, and with a statewide circulation, in Kentucky. The legal notice stated:
1. The person's name, address, and telephone number;
2. The owner's name;
3. The names of all known lienholders, including those noted on the title;
4. The vehicle's make, model, and year; and
5. The person's intention to obtain title to the vehicle unless the owner or a lienholder objects in writing within fourteen (14) days after the last publication of the legal notice; and
   (d) Neither the owner nor a lienholder has objected in writing to the person's right to obtain title to the vehicle.

   Therefore, if a payment is 30 days or more past-due, and the above conditions have been met; the leinholder (or his agent) may legally repossess the vehicle.