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     54-4-72.   Default in repayment of title loan--Remedy--Exception--Sale of reposed vehicle--Refund of surplus less expenses. If a debtor defaults in the repayment of a title loan, the title lender's sole remedy is to seek possession and sale of the motor vehicle securing the loan, and the title lender may not pursue the debtor personally in any action or proceeding for repayment of the loan or for any deficiency after the sale. The title lender shall return to the debtor any surplus obtained after the sale that is in excess of the amount owed on the loan after any reasonable expenses of repossession, storage, and sale, including court costs and attorney's fees have been deducted. The remedy limitation provided in this section does not apply in the following circumstances:
             (1)      If a debtor obtains a title loan from a title lender under false pretenses by not disclosing the existence of a valid prior lien or security interest affecting the motor vehicle; or
             (2)      If the debtor intentionally conceals, impairs, or destroys the collateral.

Source: SL 2006, ch 245, ยง 14.


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