Vehicle repossession: buyer's redemption (and any reinstatement) period ends 15 days after notice of intent is given or mailed; earliest disposition date
15 days after date the notice of intent to dispose was given or mailed (in-state mailing and address), under Cal. Civ. Code 2983.2(a)(1), (2), (6).
Rule text
at least 15 days' written notice of intent to dispose of a repossessed or surrendered motor vehicle shall be given to all persons liable on the contract. ... (1) Sets forth that those persons shall have a right to redeem the motor vehicle by paying in full the indebtedness evidenced by the contract until the expiration of 15 days from the date of giving or mailing the notice ... (6) States the seller's or holder's intent to dispose of the motor vehicle upon the expiration of 15 days from the date of giving or mailing the notice, or if by mail and either the place of deposit in the mail or the place of address is outside of this state, the period shall be 20 days instead of 15 days
Calculate this deadline
Deadline
Monday, November 23, 2026
- Trigger (Date the notice of intent to dispose was given or mailed (in-state mailing and address)): Friday, November 6, 2026.
- Exclude the trigger day and count 15 calendar days: Saturday, November 21, 2026.
- That day is a Saturday, so the deadline moves to the next court day: Monday, November 23, 2026 (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)).
Rules applied
Cal. Civ. Code 2983.2(a)(1), (2), (6)
at least 15 days' written notice of intent to dispose of a repossessed or surrendered motor vehicle shall be given to all persons liable on the contract. ... (1) Sets forth that those persons shall have a right to redeem the motor vehicle by paying in full the indebtedness evidenced by the contract until the expiration of 15 days from the date of giving or mailing the notice ... (6) States the seller's or holder's intent to dispose of the motor vehicle upon the expiration of 15 days from the date of giving or mailing the notice, or if by mail and either the place of deposit in the mail or the place of address is outside of this state, the period shall be 20 days instead of 15 daysOfficial 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
- Buyer: last day to redeem or reinstate. Holder: disposition may occur only after this period expires. Out-of-state mailing: 20 days (vehicle_repo_disposition_20_days_out_of_state). On written request received before expiration, the periods extend 10 more days (vehicle_repo_redemption_extended_25_days). AMBIGUITY: whether the disposition may occur on the computed day or must wait until the next day; conservative for the holder is the day after; for the buyer, act by the computed day. Rees-Levering Act conditional sale contracts for motor vehicles; does not apply to loans by Financial Code Division 9 licensees (2983.2(d)) or vehicles seized as described in 2983.3(b)(6). Section amended by Stats. 2019, ch. 497 (AB 991).
- 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
Date the notice of intent to dispose was given or mailed (in-state mailing and address) on Monday, March 15, 2027, personal service: due Tuesday, March 30, 2027.
- Trigger (Date the notice of intent to dispose was given or mailed (in-state mailing and address)): Monday, March 15, 2027.
- Exclude the trigger day and count 15 calendar days: Tuesday, March 30, 2027.
Notes
Buyer: last day to redeem or reinstate. Holder: disposition may occur only after this period expires. Out-of-state mailing: 20 days (vehicle_repo_disposition_20_days_out_of_state). On written request received before expiration, the periods extend 10 more days (vehicle_repo_redemption_extended_25_days). AMBIGUITY: whether the disposition may occur on the computed day or must wait until the next day; conservative for the holder is the day after; for the buyer, act by the computed day. Rees-Levering Act conditional sale contracts for motor vehicles; does not apply to loans by Financial Code Division 9 licensees (2983.2(d)) or vehicles seized as described in 2983.3(b)(6). Section amended by Stats. 2019, ch. 497 (AB 991).
Related deadlines
- Vehicle repossession: notice of intent to dispose must be given within 60 days of repossession or surrender to preserve deficiency liability (60 days after)
- Vehicle repossession: redemption period and earliest disposition 20 days after mailing when mailed from or to an address outside California (20 days after)
- Vehicle repossession: redemption and reinstatement periods extended by 10 days on buyer's timely written request (25 days after notice) (25 days after)
- Vehicle repossession sale with surplus: return surplus (and accounting) to buyer within 45 days after the sale (45 days after)
- Vehicle repossession: written accounting of disposition due 45 days after buyer's written request (request within one year after disposition) (45 days after)
- Holder: earliest day to dispose of the repossessed vehicle (day 16, after the 15-day redemption period) (15 days after)
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.