Overview of State Cure Rights
Every state provides some form of right to cure before enforcement. The specifics vary dramatically -- type of notice, cure period length, and debt types covered.
States with Strong Protections
Massachusetts requires 21-day notice for auto loans and 150-day for mortgages. Connecticut requires 15-day cure notice. Maine requires 30 days. New Hampshire 25 days. Wisconsin 15 days.
States with Minimal Protections
Some states provide little pre-repossession cure right for personal property. Even then, federal regulations provide a baseline for mortgages, and the loan contract itself may provide cure rights.
Frequently Asked Questions
How do I find my state's specific law?
Start with your state's UCC adoption (auto loans) or foreclosure statutes (mortgages). Legal aid organizations can provide specific guidance.
Does the right to cure apply to credit cards?
Most state right-to-cure laws apply to secured transactions. Credit card companies must follow federal regulations regarding notices and state demand letter requirements.
Can the lender waive the cure requirement?
In most states, no. The right to cure is mandatory consumer protection that cannot be waived. If your lender claims waiver, consult a consumer protection attorney.
Check your bankruptcy discharge eligibility with our free screening tool.
Free Discharge Screener