[header] How to collect car repossession deficiency [title] Read your state law. [step] In order to collect on a deficiency, you need to follow your state's notice requirements. If you fail to follow the requirements, then you might not be able to sue for the deficiency. 
[substeps] To find your state's law, you should go to your local law library, which should be at your courthouse. Ask the librarian to see your state's law on car repossession and deficiency judgments.