The Repo Directory
New Jersey · Dealer-focused repo agents
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New Jersey Repossession Agents for Dealers & Lenders

Vetted repossession agencies serving New Jersey auto lenders, credit unions and car dealers – focused on Newark, Elizabeth, Jersey City, South Jersey and statewide coverage.

Use this list as a starting point. Always verify licensing, insurance, coverage areas and fee schedules with your own vendor approval process.
Vetted New Jersey repossession agencies
Repo-focused vendors with a clear New Jersey footprint. Tow-only and purely consumer-facing operations are excluded.
Elite Collateral Recovery, Inc.
Elizabeth, NJ · Servicing all of New Jersey
Headquartered in Elizabeth with additional facilities, providing full-service collateral recovery, storage and remarketing for lenders across New Jersey.
Statewide NJ Multi-asset recovery
New Jersey Recovery Services, LLC
Union / Newark, NJ
Certified Asset Recovery Specialists providing 24/7 licensed, bonded and insured repossession services with secure storage and in-house skip tracing.
C.A.R.S. certified 24/7 service
RSI – Repossession Specialist, Inc.
Jersey City · Sewell · Kenilworth · Absecon · Wall Township, NJ
Family-owned repossession company founded in 1981 with multiple offices servicing all of New Jersey for vehicle and asset recovery.
Statewide NJ Since 1981
KAR Asset Recovery
Philadelphia Tri-state area · Serving NJ, PA & DE
Tri-state repossession provider servicing New Jersey, Pennsylvania and Delaware with a focus on auto lenders and finance companies.
Includes NJ Tri-state coverage
International Recovery Systems
Regional · Recovering in PA, DE & NJ
Automotive repossession firm recovering vehicles in New Jersey, Delaware and Pennsylvania for banks, credit unions and finance companies.
Includes NJ Auto repossessions
MJ Repo Services
Philadelphia, PA · Serving South Jersey counties
Vehicle repossession company covering multiple New Jersey counties including Mercer, Burlington, Camden, Gloucester, Cumberland and Salem.
South Jersey Vehicle recovery
Peak Service Corporation
Cinnaminson, NJ · Delaware Valley & NJ
Collateral recovery company based in Cinnaminson providing repossession services throughout New Jersey and the Philadelphia region.
NJ & Philly metro Collateral recovery
United States Collateral Recovery Services
Lodi, NJ
New Jersey-based company specializing in recovery of financed assets and vehicles, with secured facilities in Lodi.
North Jersey Asset recovery
Secure Collateral Management (SCM)
National vendor network · Includes New Jersey
National collateral recovery and skip-management provider using a vetted network of licensed agents, with New Jersey listed among covered states.
Includes NJ Vendor management

This directory is informational and not an endorsement. Before assigning accounts, confirm each agency’s licensing, insurance, storage, coverage area and compliance standards with your own vendor approval process. For more information, see New Jersey duplicate title and temporary tag process.

New Jersey repossession law context
Key legal framework for lenders and dealers assigning accounts in New Jersey. Always verify current requirements with qualified legal counsel.
Agent licensing New Jersey requires repossession agencies to be registered with the NJ State Police
Self-help repossession Allowed under UCC Article 9; NJ has additional consumer protection overlays
Disposal notice 15 days notice of right to redeem before disposal
Deficiency rules Deficiency allowed after compliant sale and notice
Regulator New Jersey Division of Consumer Affairs

Lender/dealer tip: New Jersey has NJ State Police registration requirements for repo agencies. NJ Division of Consumer Affairs is active on auto lending complaints. Ensure your notice letters and sale procedures are NJ-law-compliant — the NJ consumer protection framework is broad.

This is an informational summary only and not legal advice. Consult qualified legal counsel before establishing repossession procedures in New Jersey.