| Right to cure default before repossession/
Right to reinstate after repossession
Source:
National Consumer Law Center,
Repossessions and Foreclosures (5th ed. 2002). |
| State |
Right to cure prior to repossession |
Right to reinstate post repossession |
| California |
Must cure within 45 days of right to cure notice is sent |
10 days after notice of right to reinstate is sent |
| Colorado |
20 days after notice |
None |
| Connecticut |
10 days before repossession |
15 days from repossession |
| Iowa |
20 days after notice |
None |
| Kansas |
20 days from notice |
None |
| Louisiana |
None |
21 days from notice |
| Maine |
14 days after receipt of notice |
None |
| Maryland |
None |
15 days after right to reinstate notice is sent |
| Massachusetts |
21 days after notice sent |
None |
| Minnesota |
30 days after notice sent |
None |
| Missouri |
20 days after notice sent |
None |
| Nebraska |
20 days after notice sent |
None |
| New York |
30 days from date of notice |
None |
| Ohio |
Right to refinance balloon payments |
20 days after repossession or 15 days after notice |
| Pennsylvania |
21 days from receipt of notice |
Right to cure manufactured home loan up until the title is transferred |
| South Carolina |
20 days after notice sent |
None |
| West Virginia |
10 days after notice sent |
None |
