Repo Deficiency Calculator

Live. Figure the deficiency or surplus after a repossession sale with the UCC 9-615 waterfall, and catch what kills a deficiency claim: missing or late sale notice, a cheap sale, a related buyer, a surplus owed back.

Send the balance at repossession, the sale (price, date, public or private, related buyer), expenses (retaking, storage, transport, reconditioning, auction, title, attorney), credits (unearned interest, insurance and service-contract rebates), subordinate liens, the disposition-notice date and the wholesale value. You get the deficiency or surplus, what the proceeds paid at each step, attorney's fees dropped unless the contract allows them, the 9-615(f) related-buyer rule, and flags: no or late disposition notice (block), co-signer not noticed, price far below wholesale, surplus owed to the consumer (block: pay it), state small-balance rules and the 9-616 consumer explanation duty. Includes the explanation in 9-616(c) order and a one-line agent script. Keyless, nothing stored. Not legal advice.

Price: $0.003 per call after 1,000 free per month.

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