Can a company legally refuse full past due payment plus repo fees after the car has been repossessed?

In most cases, no, a company cannot legally refuse full past due payment plus repo fees after the car has been repossessed. Once a car has been repossessed, the lender is required to send a notice of default to the borrower. This notice must specify the amount of the debt that is owed, as well as any late fees or other charges that may have been incurred. The borrower then has a certain amount of time (typically 10 days) to redeem the car by paying the full amount of the debt. If the borrower does not redeem the car within the allotted time, the lender can sell it at auction.

In some cases, a lender may be willing to accept a partial payment of the debt in order to avoid having to sell the car at auction. However, the lender is not obligated to do so, and can legally refuse any offer that does not cover the entire amount of the debt.

If a lender refuses to accept full payment of the debt after the car has been repossessed, the borrower may have legal recourse. The borrower may be able to file a lawsuit against the lender for conversion, which is the unauthorized taking of personal property. The borrower may also be able to file a complaint with the state attorney general's office or other consumer protection agency.