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Safeguarding Consumer Rights: A Guide to Repossessions in Wisconsin

Posted by Nathan DeLadurantey | Jan 05, 2024

Facing the repossession of personal property can be a challenging and stressful experience. However, residents of Wisconsin are protected by specific consumer rights that govern the repossession process. In this blog post, we'll explore the key aspects of consumer rights during repossessions in Wisconsin, shedding light on the regulations in place to ensure fairness and transparency.

Wisconsin Repossession Laws:

Wisconsin law recognizes the importance of protecting consumers during the repossession process. Whether it involves an automobile, furniture, or other personal property, understanding your rights is crucial when facing the prospect of repossession.

Key Consumer Rights During Repossession in Wisconsin:

  1. Right to Cure Default:

    • Before a lender or creditor can repossess your property, many are required to provide you with notice and an opportunity to cure the default. This means you have the right to bring your account current by paying the overdue amount, thus preventing repossession.
  2. Notice Requirements:

    • Creditors may be required to provide written notice of the intent to repossess at least 15 days in advance. This notice must detail the reasons for repossession and inform the consumer of the right to cure the default.
  3. Private Property Repossession:

    • While creditors have the right to repossess property, they cannot breach the peace in doing so. Repossession agents must avoid confrontations and cannot enter a residence or garage without permission.
  4. Post-Repossession Notice:

    • After the repossession, creditors are required to send a post-repossession notice to the consumer, providing information about the disposition of the repossessed property.
  5. Notice of Sale:

    • If the creditor intends to sell the repossessed property, they must provide the consumer with notice of the sale, including details such as the date, time, and location.
  6. Right to Redeem:

    • In Wisconsin, consumers typically have the right to redeem the repossessed property by paying the outstanding debt, including repossession and storage costs, before the sale takes place.
  7. Deficiency Balance Protections:

    • If the sale of the repossessed property does not cover the entire outstanding debt, Wisconsin law limits the creditor's ability to pursue a deficiency balance, protecting consumers from excessive financial burdens.

Steps to Protect Your Rights During Repossession:

  1. Communicate with the Creditor:

    • If you're facing financial difficulties, communicate with your creditor. Many lenders are willing to work with consumers to find alternative solutions to repossession.
  2. Review Notices Carefully:

    • Pay close attention to any notices you receive, both before and after repossession. These documents provide crucial information about your rights and options.
  3. Seek Legal Advice:

    • If you believe your rights have been violated or if you need assistance navigating the repossession process, consult with a consumer rights attorney who can provide guidance tailored to your situation.


While facing repossession can be a challenging experience, understanding your consumer rights under Wisconsin law empowers you to navigate the process with knowledge and confidence. By staying informed, communicating with creditors, and seeking legal advice when needed, you can protect your rights and work towards a resolution that is fair and equitable. Remember, knowledge is a powerful tool when it comes to safeguarding your consumer rights during the repossession process in Wisconsin.


Attorney Nathan DeLadurantey offers free consultations to explain your legal rights in Wisconsin. Free consultations can be scheduled online. 

About the Author

Nathan DeLadurantey

Nathan DeLadurantey ATTORNEY [email protected] Nathan is a skilled consumer lawyer who handles cases and trials all over Wisconsin. Phone consultations are always free and welcomed. Nathan has helped clients receive large jury verdicts and settlements stemming from consumer law violations, and is ready and able to assist.


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