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It explains timing, default triggers, the ability to cure missed payments, potential liability for any deficiency after sale of collateral, and exceptions requiring no notice. It also summarizes complaint filing steps, key definitions like APR, financed amount, balance, collateral, and finance charges, and limits on lender conduct.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/consumer-loans-your-rights-and-responsibilities/280703/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/consumer-loans-your-rights-and-responsibilities/280703.png","ImageObject",442,249,{"name":88,"@type":89},"วิน","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-28","2026-09-16",true,{"@type":98,"interactionType":99,"userInteractionCount":25},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"When can a lender repossess collateral?","Question",{"text":108,"@type":109},"A lender can repossess only if the property is collateral for the loan and you have defaulted on your contract. Default usually includes failing to make a payment on time or failing to keep required insurance.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"What is a “Notice of Right to Cure,” and what happens after it is sent?",{"text":113,"@type":109},"Before repossessing, the lender generally must send a Notice of Right to Cure. After receiving it, you have 20 days to make the missed payment(s) to bring the loan current.",{"name":115,"@type":106,"acceptedAnswer":116},"Are there situations where the lender does not need to send a Right to Cure notice?",{"text":117,"@type":109},"Yes. No notice is required if you are in default for reasons other than missing a payment or if you voluntarily surrender the collateral. Also, depending on the type of loan, you may not receive additional Right to Cure notices after another missed payment.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},280703,1789554681,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":25,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":73,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":125,"read_time":9},2336475104736,"https://ap-avatar.wpscdn.com/avatar/22000c4c5e0e5b17e70?x-image-process=image/resize,m_fixed,w_180,h_180&k=1786591360781797222","REPOSSESSIONS  \nIn order for a lender to repossess, or take back, the property: (1) it must be collateral for the loan and (2) you must have defaulted on your contract. Your rights and the lender’s rights when it comes to default are laid out in the contract you signed and in SC law. Usually, default includes the failure to make a payment on time or failing to keep insurance on a vehicle.  \nIf you don’t make timely payments, the lender must send you a “Notice of Right to Cure”before repossessing the property. After the lender sends the notice you have twenty (20) days to make the missed payment(s).  \nDid you make the loan current by paying any miss20eddapays?yments within  \nYES  \nThe property will not be repossessed.  \nREMEMBER:  \nYou may not receive another Right to Cure notice, depending on your type of loan. (see below)  \nYour lender can repossess the property and sell it to pay your loan.  \nYou could be responsible for paying any amount not repaid by selling the collateral.  \nA “Right to Cure” notice is not required before repossession if you:  \n(1) Are in default for any reason other than missing a payment; or  \n(2) Voluntarily surrender the collateral. CAUTION: If you miss another payment, you will not receive any additional Right to Cure notices, unless you renew your account or it is a revolving account.   \nCOMPLAINTS  \nIf you have a problem with your lender, file a complaint with the lender’s home office. If you don’t receive the response you desire, file a complaint with the Department of Consumer Affairs using the information below.  \nCOMPANY OFFICE  \nRegional Acceptance Corporation 1424 E. Fire Tower Road Greenville, NC 27858 Telephone: 252-321-7700  \nSC Department of Consumer Affairs  \n293 Greystone Blvd.• PO Box 5757 Columbia, SC 29250 800-922-1594  \n[www.consumer.sc.gov](www.consumer.sc.gov)  \nSC Board of Financial Institutions,  \nConsumer Finance Division  \n1205 Pendleton St. • Columbia, SC 29201 STE. 306 • Edgar Brown Building 803-734-2020  \n[www.consumerfnance.sc.gov](www.consumerfnance.sc.gov)  \n\n|  |\n| --- |\n|  |\n|  |\n| CONSUMER LOANS:\u003Cbr>Your Rights and Responsibilities |\n| |\n|  |\n|  |\n|  |\n\nLENDER  \nRegional Acceptance Corporation 1424 E. Fire Tower Road Greenville, NC 27858 Telephone: 252-321-7700  \nLENDER’S OFFICE  \nRegional Acceptance Corporation 1424 E. Fire Tower Road Greenville, NC 27858 Telephone: 252-321-7700 [www.regionalacceptance.com](www.regionalacceptance.com)  \nThis pamphlet is meant to serve as a summary of your rights and responsibilities under this loan. It is not a complete review of the laws that apply. For more information on your rights, contact the South Carolina Department of Consumer Affairs.  \nI M P O R T A N T D E F I N I T I O N S  \nAMOUNT FINANCED  \nThis is how much money you are actually borrowing. It includes the cash you get plus any other payments or payoffs of another loan and any type of credit insurance you have purchased.  \nANNUAL PERCENTAGE  \nRATE (APR)  \nThis is the cost of your loan stated as a yearly rate. All lenders must calculate the APR the same way so you can compare different loans and determine which is the best deal for you.  \nBALANCE  \nThe amount of money you currently owe a lender.  \nCOLLATERAL  \nItems such as cars, boats, and jewelry you allow a lender to have a lien on so you can get credit. CANNOT be: your furniture, other than antiques, appliances, radio or television (unless you own more than one), or wedding rings UNLESS the lender finances the purchase of the item(s).  \nCREDIT INSURANCE  \nThere are several types of credit insurance. Credit Life, Credit Accident and Health, and Credit Property are a few. If credit insurance is purchased with a loan, a policy must be given to you outlining the coverage. To file a claim for benefits on credit insurance, ask your lender for a claim form and instructions on how to complete.  \nDEBTOR  \nA person who owes a lender money.  \nFINANCE CHARGE  \nThis tells you how much the loan costs you in dollars and cents.You ","cbCaiiQTyiNiW1jh","https://ap.wps.com/l/cbCaiiQTyiNiW1jh","pdf",605537,"English","# REPOSSESSIONS\n## COMPLAINTS\n## I M P O R T A N T D E F I N I T I O N S\n## WHAT A LENDER CAN’T DO","[{\"question\":\"When can a lender repossess collateral?\",\"answer\":\"A lender can repossess only if the property is collateral for the loan and you have defaulted on your contract. Default usually includes failing to make a payment on time or failing to keep required insurance.\"},{\"question\":\"What is a “Notice of Right to Cure,” and what happens after it is sent?\",\"answer\":\"Before repossessing, the lender generally must send a Notice of Right to Cure. After receiving it, you have 20 days to make the missed payment(s) to bring the loan current.\"},{\"question\":\"Are there situations where the lender does not need to send a Right to Cure notice?\",\"answer\":\"Yes. No notice is required if you are in default for reasons other than missing a payment or if you voluntarily surrender the collateral. Also, depending on the type of loan, you may not receive additional Right to Cure notices after another missed payment.\"}]","CONSUMER LOANS: Your Rights and Responsibilities | PDF"]