This page will provide an overview of Utah's Repossession Laws and what you should know if you've fallen behind on car payments. Repo's Allowed: After 20 day "Right to Cure" letter from lienholder to debtor, repossession allowed without committing a breach of peace.Explain why outstanding certification of title was not obtained or why the attached title is not negotiable. " America First Credit Union has repos the public can purchase. In order to participate, complete a Participation Form for your organization. This file contains detailed instructions on completing the Certificate of Repossession form. Window form for this vehicle is part of this contract. You should use this form when engaging a repossession agency to recover a vehicle on behalf of a creditor. A resolution approving the form of the Equipment Lease Agreement with Zions. First National Bank, Salt Lake City, Utah.