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The professional Recovery Agent and Recovery Agency owner should endeavor to become
familiar with sections of the Uniform Commercial Code applicable to self-help
repossession and those federal, state and local laws that affect the self-help repossession
process within their area of business coverage.
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In the C.A.R.S. Program we have attempted to address federal laws and state statutes
the Recovery Agent and Recovery Agency owner are most likely to encounter. In doing
so, we have attempted to provide definitions and explanations in a generic form that is
most applicable to all states that allow self-help repossession activity.