reglab/housing_qa huggingface dataset:
12 PA Cons Stat § 6233 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6233 - Prohibited charges

§ 6233. Prohibited charges.   (a) General rule.--Except as provided in subsections (b) and (c), a licensee may directly or indirectly charge, contract for, collect or receive from the buyer, in connection with the retail sale of a motor vehicle under an installment sale contract, insurance charges, other charges necessary or incidental to the sale of the motor vehicle, finance charges, refinance charges, late charges, recording and satisfaction fees, court costs, attorney fees and costs of retaking, repairing and storing a repossessed motor vehicle, which are disclosed as required by section 6222(5) (relating to contents).  (b) Exception.--A licensee may not directly or indirectly charge, contract for, collect or receive from the buyer, in connection with the retail sale of a motor vehicle under an installment sale contract, any further or other amount for costs, charges, examination, appraisal, service, brokerage, commission, expense, interest, discount, fees, fines, penalties or other thing of value in excess of the amounts permitted under subsection (a) or (c).  (c) Manufactured homes.--An installment seller of a manufactured home may charge appraisal fees, brokerage fees and commissions if they represent actual charges and are properly disclosed to the buyer.  (d) Charges if contract not consummated.--  (1) Subject to paragraph (2), a licensee may not collect a charge in connection with a contemplated sale of a motor vehicle under an installment sale contract if the contract is not consummated. (2) Paragraph (1) does not affect the legal status of a deposit paid by a prospective buyer to a seller as a binder on the contemplated purchase of a motor vehicle.  (e) Unenforceable provision.--If an installment sale contract contains a provision that authorizes a prohibited charge, the provision is unenforceable.
12 PA Cons Stat § 6234 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6234 - Waiver of statutory protection prohibited

§ 6234. Waiver of statutory protection prohibited.   (a) General rule.--A buyer may not validly waive through an action, agreement or statement any provision of this chapter intended to protect a buyer of a motor vehicle.  (b) Choice of law.--A buyer's waiver of the provisions of this chapter, including any purported waiver effected by a contractual choice of the law of another jurisdiction contained in an installment sale contract, shall be deemed contrary to public policy and is void and unenforceable.
12 PA Cons Stat § 6235 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6235 - Effect of license expiration, surrender and revocation on contracts

§ 6235. Effect of license expiration, surrender and revocation on contracts.   (a) Effect.--The expiration, surrender or revocation of a license issued under this chapter to an installment seller or sales finance company does not impair or affect the obligation under an installment sale contract entered into lawfully or lawfully acquired by the licensee prior to the effective date of the expiration, surrender or revocation of the license.  (b) Charges by holder prohibited.--A holder of an installment sale contract forfeits the right to charge, contract for, receive or collect refinance charges authorized by this chapter for renewal of the contract, if the holder's license has expired, was surrendered or was revoked prior to the date of the renewal.  (c) Sale, transfer and assignment of contracts.--A licensee whose license has expired, was surrendered or was revoked may sell, transfer or assign contracts entered into or acquired prior to the expiration, surrender or revocation to a licensed sales finance company, which may renew the contracts in accordance with the provisions of this chapter.  (d) Prohibitions regarding contracts.--A licensee whose license has expired, was surrendered or was revoked may not: (1) enter into new contracts for the retail sale of motor vehicles under installment sale contracts; or (2) discount, purchase or otherwise acquire the new contracts.
12 PA Cons Stat § 6236 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6236 - Enforcement

§ 6236. Enforcement.   (a) When obligation unenforceable.--An obligation of the buyer of a motor vehicle under an installment sale contract that was consummated in this Commonwealth is not enforceable in this Commonwealth if: (1) the installment seller was not licensed under this chapter when the seller entered into the contract; or (2) the holder was not licensed under this chapter when the holder acquired the contract.  (b) Cancellation of contract; release of liens.--Upon payment or tender of payment to the holder of the principal amount financed under the contract described in subsection (a), less payments on account of the obligation exclusive of down payment which had been made previously, the buyer under the contract is entitled to: (1) cancellation of the contract; and (2) release of all liens against: (i) the motor vehicle sold under the contract; and (ii) collateral security owned by the buyer or the buyer's surety or guarantor.  (c) Applicability.--This section shall not be construed to prevent the enforcement in this Commonwealth of an obligation arising from the sale of a motor vehicle made outside this Commonwealth under an installment sale contract entered into or executed by the buyer outside this Commonwealth, whether or not the buyer was a resident of this Commonwealth at the time the buyer entered into the contract.
12 PA Cons Stat § 6245 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6245 - Late charges

§ 6245. Late charges.   (a) General rule.--A late charge may be collected on the following: (1) An installment payment that is not paid on or before the due date of the payment. (2) A contract subject to this chapter, regardless of the classification of vehicle under section 6243 (relating to finance charges) or the method by which the finance charge is computed.  (b) Rate and computation.--  (1) Under a contract for the sale of a motor vehicle other than a heavy commercial motor vehicle, a late charge may not, for any payment not made within ten days of its scheduled due date, exceed the rate of 2% on the amount of the payment in arrears. (2) Under a contract for the sale of a heavy commercial motor vehicle, a late charge may not, for any payment not made within ten days of its scheduled due date, exceed the rate of 4% of the amount of the payment in arrears. (3) The late charges under paragraphs (1) and (2) may be collected only once on each payment in arrears.  (c) Collection.--  (1) Late charges may be: (i) collected when earned during the term of a contract for the sale of a motor vehicle; or (ii) accumulated and collected at final maturity or at the time of final payment under a contract for the sale of a motor vehicle. (2) A late charge may not be collected on a payment in default because of an acceleration provision in the contract.
12 PA Cons Stat § 6246 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6246 - Refund for prepayment of contract

§ 6246. Refund for prepayment of contract.   (a) Right to prepay unpaid time balance.--Notwithstanding the provisions of an installment sale contract, a buyer may prepay at any time all or part of the unpaid time balance under the contract.  (b) Rebate generally.--If the entire time balance is liquidated prior to maturity by prepayment, refinancing or termination by surrender or repossession and resale of the motor vehicle, a holder of the contract for the sale of the motor vehicle shall immediately rebate to the buyer any unearned portion of the finance charge. The rebate may be made in cash or credited to the amount due on the obligation of the buyer.  (c) Rebate amount.--  (1) Subject to paragraph (2), the proportion of the unearned finance charge that shall be rebated to the buyer to the total finance charge shall be at least the proportion of the sum of the periodic time balances after the date of prepayment to the sum of all the periodic time balances under the schedule of payments in the original contract. (2) The holder is not required to rebate: (i) a portion of the unearned finance charge that results in a net minimum finance charge on the contract of less than $10; or (ii) an unearned finance charge if the computed amount due is less than $1.
12 PA Cons Stat § 6251 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6251 - Repossession authorized

§ 6251. Repossession authorized.   (a) When repossession may occur.--An installment seller or a holder, who has lawfully acquired a motor vehicle installment sale contract, may retake possession of the motor vehicle if the buyer: (1) is in default in the payment of an amount due under the contract; or (2) has committed another breach of contract, which is by the contract specifically made a ground for retaking the motor vehicle.  (b) Legal process.--  (1) Unless the motor vehicle can be retaken without breach of the peace, it shall be retaken by legal process. (2) This subchapter shall not be construed to authorize a violation of the criminal laws of this Commonwealth.  (c) Limitation.--Except as provided in this chapter, in a transaction involving a commercial purpose, the provisions of this chapter regarding repossession of a motor vehicle are limited by the provisions of 13 Pa.C.S. Div. 9 (relating to secured transactions).
12 PA Cons Stat § 6252 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6252 - Who may repossess

§ 6252. Who may repossess.   (a) With legal process.--Repossession of a motor vehicle when effected by legal process shall be made only by a duly constituted public official.  (b) Without legal process.--Repossession of a motor vehicle when effected otherwise than by legal process under subsection (a) shall be made only by the following: (1) The holder. (2) An official or full-time employee of the holder. (3) A collector-repossessor licensed under this chapter. (4) The person who originally sold the motor vehicle to the buyer under the installment sale contract. (5) A licensed seller or sales finance company that is not regularly engaged in the business of repossessing motor vehicles but occasionally does so as an accommodation for another seller or sales finance company. (6) An official or full-time employee of a licensed seller or sales finance company under paragraph (5).
12 PA Cons Stat § 6253 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6253 - Legal proceedings

§ 6253. Legal proceedings.   (a) When to commence action.--If repossession and sale of a motor vehicle subject to an installment sale contract or its collateral security is effected by legal process, the holder may commence legal proceedings immediately upon the buyer's default or breach of the contract.  (b) Rights and duties of buyer.--In a proceeding under subsection (a), the buyer shall receive notice, have the rights and be liable for the costs of suit and reasonable attorney fees as provided by the laws of this Commonwealth governing legal proceedings.
12 PA Cons Stat § 6254 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6254 - Notice of repossession

§ 6254. Notice of repossession.   (a) General rule.--If repossession of a motor vehicle subject to an installment sale contract is effected other than by legal process, the holder shall immediately furnish the buyer with a written notice of repossession.  (b) Delivery.--The notice of repossession shall be delivered in person or sent by registered or certified mail to the last known address of the buyer.  (c) Contents.--The notice of repossession shall contain the following: (1) The buyer's right to reinstate the contract, if the holder extends the privilege of reinstatement and redemption of the motor vehicle. (2) An itemized statement of the total amount required to redeem the motor vehicle by reinstatement or payment of the contract in full. (3) Notice to the buyer of the holder's intent to resell the motor vehicle at the expiration of 15 days from the date of mailing the notice. (4) The place where the motor vehicle is stored. (5) The name and address of the person to whom the buyer shall make payment or on whom the buyer may serve notice. (6) A statement that any personal property left in the repossessed vehicle will be held for 30 days from the date of the mailing of the notice. (7) The name and address of the person that the buyer may contact to receive a full statement of account as provided by section 6230 (relating to statement of account to buyer).    Cross References. Section 6254 is referred to in sections 6255, 6259 of this title.
12 PA Cons Stat § 6255 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6255 - Personal property in repossessed motor vehicle

§ 6255. Personal property in repossessed motor vehicle.  A buyer may reclaim personal property left in the repossessed motor vehicle within 30 days of the mailing of the notice under section 6254 (relating to notice of repossession). If personal property is left in the motor vehicle after the 30-day time period, the holder may dispose of the personal property in any manner that it chooses.
12 PA Cons Stat § 6256 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6256 - Buyer's liability for costs

§ 6256. Buyer's liability for costs.  If repossession of a motor vehicle subject to an installment sale contract is effected other than by legal process, the buyer shall be liable for costs incurred by the holder in retaking, storing and repairing the motor vehicle only if: (1) The default exceeds 15 days at the time of repossession. (2) The costs are actual, necessary and reasonable, excluding repossession costs for services by an individual who is a regular full-time employee of the holder. (3) The costs are supported by receipts or other satisfactory evidence of payment. (4) The records of the holder show detailed information as to the nature and amount of each cost, the date of payment and the recipient of the payment.    Cross References. Section 6256 is referred to in sections 6203, 6258, 6259, 6261 of this title.
12 PA Cons Stat § 6257 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6257 - Notice to police

§ 6257. Notice to police.  The repossessor of a motor vehicle shall give notice within 24 hours after the repossession to: (1) the local municipal police department having jurisdiction of the area where the motor vehicle was located at the time of repossession; or (2) the Pennsylvania State Police, if no municipal police jurisdiction exists.
12 PA Cons Stat § 6258 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6258 - Reinstatement of contract after repossession

§ 6258. Reinstatement of contract after repossession.   (a) When reinstatement may occur.--If a motor vehicle subject to an installment sale contract has been repossessed by legal process or otherwise because of default or other breach of contract, the holder may reinstate the contract and return the motor vehicle to the buyer if the buyer: (1) pays all past-due installments; or (2) makes mutually satisfactory arrangements with the holder regarding the following: (i) Accrued late charges. (ii) Costs of suit under the contract and authorized by this chapter in repossession by legal process. (iii) The costs of retaking, repairing and storing under section 6256 (relating to buyer's liability for costs), if default at the time of repossession exceeds 15 days.  (b) Refinancing.--If an installment sale contract for a motor vehicle is reinstated after repossession, the holder may contemporaneously or subsequently enter into a contract with the buyer for refinancing the obligation as provided in this chapter.
12 PA Cons Stat § 6259 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6259 - Redemption and termination of contract after repossession

§ 6259. Redemption and termination of contract after repossession.   (a) Retaining motor vehicle.--Unless the right of redemption is waived in a nonconsumer transaction under 13 Pa.C.S. § 9624(c) (relating to waiver), if repossession of a motor vehicle subject to an installment sale contract is effected within or outside this Commonwealth other than by legal process, the holder shall retain the repossessed motor vehicle for a period of 15 days after the mailing of the notice of repossession under section 6254 (relating to notice of repossession).  (b) Redemption.--During the 15-day period after the mailing of the notice of repossession, the buyer may redeem the motor vehicle and terminate the installment sale contract by payment or tender of payment to the holder of the following amounts: (1) If default at the time of repossession is 15 days or less, the sum of the following, less rebate of any unearned finance charge and excluding the costs of retaking, repairing and storing under section 6256 (relating to buyer's liability for costs): (i) The unpaid time balance. (ii) Accrued late charges authorized by this chapter. (iii) Any other amount lawfully due under the contract. (2) If default at the time of repossession exceeds 15 days, the sum of the following, less rebate of any unearned finance charge: (i) The unpaid time balance. (ii) Accrued late charges authorized by this chapter. (iii) The costs of retaking, repairing and storing under section 6256. (iv) Any other amount lawfully due under the contract.  (c) Return of motor vehicle and collateral.--  (1) If the buyer redeems the motor vehicle and terminates the installment sale contract by payment or tender as provided in subsection (b), the holder shall return the motor vehicle and other collateral in a manner consistent with 13 Pa.C.S. § 9623 (relating to right to redeem collateral). (2) Property is deemed to be returned in a manner in compliance with this chapter and 13 Pa.C.S. § 9623 by delivery to one of the following sites designated by the buyer: (i) The county in this Commonwealth or within a comparable governmental unit outside this Commonwealth where repossession occurred. (ii) The county in this Commonwealth where the buyer resides. (iii) The county in this Commonwealth where the vehicle was purchased under the contract. (3) Upon receipt of the funds necessary to redeem the motor vehicle as provided in subsection (b), the holder shall return the repossessed motor vehicle as soon as is reasonably possible, but not later than ten business days from the receipt of the funds.
12 PA Cons Stat § 6260 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6260 - Sale of motor vehicle after repossession

§ 6260. Sale of motor vehicle after repossession.   (a) Forfeiture.--If the repossessed motor vehicle subject to an installment sale contract is not redeemed by the buyer either by termination or reinstatement of the contract within the 15-day notice of redemption period, the buyer shall forfeit all claim to the motor vehicle and collateral security.  (b) Deficiency.--If the buyer does not redeem the repossessed motor vehicle within the 15-day notice of redemption period, the installment seller or holder may not bring an action or proceeding against the buyer for a deficiency under section 6261 (relating to deficiency judgment) unless there has been a public or private sale of the repossessed motor vehicle and collateral security.  (c) Motor vehicle title.--At the sale of a repossessed motor vehicle to a purchaser, the installment seller or holder shall provide to the purchaser the title to the vehicle and all necessary documents to effect the transfer of the motor vehicle.    Cross References. Section 6260 is referred to in section 6261 of this title.
12 PA Cons Stat § 6261 (2021)
2021 Pennsylvania Consolidated & Unconsolidated Statutes|Title 12 - COMMERCE AND TRADE|Chapter 62 - Motor Vehicle Sales Finance|Section 6261 - Deficiency judgment

§ 6261. Deficiency judgment.   (a) General rule.--If the proceeds of a resale under section 6260 (relating to sale of motor vehicle after repossession) are not sufficient to defray the expenses regarding the repossessed motor vehicle, including the costs under section 6256 (relating to buyer's liability for costs), the net balance due on the installment sale contract and the amount of accrued late charges authorized by this chapter, the installment seller or holder may recover the deficiency from the buyer or from any person who has succeeded to the obligations of the buyer.  (b) Reasonable value.--  (1) The reasonable value of the motor vehicle at the time of resale shall be determined in an action or a proceeding brought by: (i) the installment seller or holder to recover the deficiency; or (ii) the buyer. (2) The resale price of the motor vehicle is prima facie, but not conclusive, evidence of the reasonable value of the motor vehicle. (3) The determined reasonable value or the resale price of the motor vehicle, whichever is higher, shall be credited against the buyer's indebtedness.  (c) Reasonable costs.--In an action or a proceeding for a deficiency, the buyer may have the reasonableness of the costs incurred determined under section 6256.  (d) Deficiency notice.--Within 30 days after the sale of a repossessed motor vehicle, the installment seller or holder shall deliver in person or send by registered or certified mail to the last known address of the buyer a deficiency notice containing the following: (1) The sale price of the repossessed motor vehicle. (2) The itemized costs associated with the repossession and sale of the repossessed motor vehicle. (3) The amount of the deficiency owed by the buyer.  (e) Nonapplicability.--Subsections (b)(1)(ii) and (d) shall not apply to a deficiency on a resale that was held prior to the effective date of this section.    Cross References. Section 6261 is referred to in section 6260 of this title.