How long does it take for a repo of vehicle once the account goes to dept?

The amount of time it takes for a repossession to occur varies by state and the specific towing and storage regulations. Here is a general guideline, but it is important to note that every state has its own legal requirements:

- Usually within 2-5 days: Lender/creditors might repossess the vehicle, they are not required to give a notice for towing before repossession in most states

- After default: Within 20 days: Some states require a 20-day post-default notice be provided to the borrower for the right to cure before the vehicle can be repossessed. For example, in California, the lender has to send you a notification letter by certified mail with a 20-day requirement to make your account current. During the 20 days, you have the option to make full payment, pay any past due amounts or surrender your keys voluntarily to avoid repossession.

- Repossession grace period: Most states allow a "redemption period" after the repossession of at least 10 days where you can reclaim the car by bringing the past due amount current including storage costs and any other fees associated.

- After repossession and grace period: If you don't redeem the vehicle within this period, the lender may sell the vehicle at auction.

It's essential to act promptly if you are at risk of repossession and contact your lender to make arrangements to prevent it.