UCC Article 9 (non-consumer transaction): notification of disposition sent 10 or more days before the earliest disposition time is deemed reasonable (safe harbor)

10 days before earliest time of disposition stated in the notification, under Cal. Com. Code 9612(a), (b).

Rule text

(a) Except as otherwise provided in subdivision (b), whether a notification is sent within a reasonable time is a question of fact. (b) In a transaction other than a consumer transaction, a notification of disposition sent after default and 10 days or more before the earliest time of disposition set forth in the notification is sent within a reasonable time before the disposition.

Cal. Com. Code 9612(a), (b), official source

Calculate this deadline

Deadline
Tuesday, October 27, 2026
  1. Trigger (Earliest time of disposition stated in the notification): Friday, November 6, 2026.
  2. Count back 10 calendar days: Tuesday, October 27, 2026.
Rules applied
Cal. Com. Code 9612(a), (b)
(a) Except as otherwise provided in subdivision (b), whether a notification is sent within a reasonable time is a question of fact. (b) In a transaction other than a consumer transaction, a notification of disposition sent after default and 10 days or more before the earliest time of disposition set forth in the notification is sent within a reasonable time before the disposition.
Official source
Cal. Code Civ. Proc. 12, 12a, 12b; Cal. Gov. Code 6800, 6707 (state agency filings); Fed. R. Civ. P. 6(a) (federal statutes and federal court filings)
CCP 12: "The time in which any act provided by law is to be done is computed by excluding the first day, and including the last, unless the last day is a holiday, and then it is also excluded." CCP 12a(a): "If the last day for the performance of any act provided or required by law to be performed within a specified period of time is a holiday, then that period is hereby extended to and including the next day that is not a holiday. For purposes of this section, “holiday” means all day on Saturdays, all holidays specified in Section 135 and, to the extent provided in Section 12b, all days that by terms of Section 12b are required to be considered as holidays." Gov. Code 6707: "When the last day for filing any instrument or other document with a state agency falls upon a Saturday or holiday, such act may be performed upon the next business day with the same effect as if it had been performed upon the day appointed." FRCP 6(a): "The following rules apply in computing any time period specified in these rules, in any local rule or court order, or in any statute that does not specify a method of computing time. (1) ... (A) exclude the day of the event that triggers the period; (B) count every day, including intermediate Saturdays, Sundays, and legal holidays; and (C) include the last day of the period, but if the last day is a Saturday, Sunday, or legal holiday, the period continues to run until the end of the next day that is not a Saturday, Sunday, or legal holiday."
Official source
  • Latest send date that qualifies for the safe harbor; the notice must also be sent after default. Consumer transactions: reasonableness is a question of fact (no safe harbor). roll 'previous_court_day': if the computed date is a weekend or holiday, send on the preceding business day (rolling later would forfeit the safe harbor). Section added by Stats. 1999, ch. 991, operative July 1, 2001.
  • If the clerk's office is closed or inaccessible on the last day (weather, emergency or local closure orders), the deadline may be extended. Check local orders.

This calculator applies the cited rules to the dates you enter. It is not legal advice. Court orders, local rules, and case-specific facts can change a deadline; verify before relying on it. Rule set pending attorney review.

Worked example

Earliest time of disposition stated in the notification on Monday, March 15, 2027, personal service: due Friday, March 5, 2027.

  1. Trigger (Earliest time of disposition stated in the notification): Monday, March 15, 2027.
  2. Count back 10 calendar days: Friday, March 5, 2027.

Notes

Latest send date that qualifies for the safe harbor; the notice must also be sent after default. Consumer transactions: reasonableness is a question of fact (no safe harbor). roll 'previous_court_day': if the computed date is a weekend or holiday, send on the preceding business day (rolling later would forfeit the safe harbor). Section added by Stats. 1999, ch. 991, operative July 1, 2001.

Related deadlines

All California pre-suit, housing and employment deadlines

Rules current as of 2026-10-27. Confirm against the official source and any local rule or court order before relying on a date. Rules changelog.