Time Frame

• If your car is repossessed, you have 10 days to cure the default and reclaim the vehicle, according to Tennessee Code Section 47-9-506. You also must repay any repossession expenses to redeem the car, according to the LAWDOG website.
  
  

Exceptions

• If you declared Chapter 7 or Chapter 13 bankruptcy, your automobile lender cannot legally repossess your car until the case is concluded through the appropriate Tennessee bankruptcy court, according to the book "How to File for Chapter 7 Bankruptcy." But once your bankruptcy is finalized, the judge may compel you to turn the vehicle over to the lender.
  
  

Considerations

• Even if your car is repossessed, Tennessee codes state that the lender is not entitled to the license plates on the vehicle, according to the Repo Laws website.