By law when a vehicle is repo'd the person who had it repo'd has 30 days to A. Collect there belongings or B. Pay the debt in full and get there vehicle back. When I say debt in full the that means that say they have 5000 Dollars left on there loan. The lein holder can charge that rather then just the amount the person is behind. My place of business only makes people catch up on there payments not pay loan in full.