Florida Statutes

Fla. Stat. § 679.609 (2025)

Secured party’s right to take possession after default.

✓ 2025 Florida Statutes — current through the 2025 Regular Session

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679.609 Secured party’s right to take possession after default.—

(1) After default, a secured party:

(a) May take possession of the collateral; and

(b) Without removal, may render equipment unusable and dispose of collateral on a debtor’s premises under s. 679.610.

(2) A secured party may proceed under subsection (1):

(a) Pursuant to judicial process; or

(b) Without judicial process, if it proceeds without breach of the peace.

(3) If so agreed, and in any event after default, a secured party may require the debtor to assemble the collateral and make it available to the secured party at a place to be designated by the secured party which is reasonably convenient to both parties.

History.—s. 7, ch. 2001-198.

Notes of Decisions

Cited in 14 cases (7 in the last 5 years), 2009–2026 · leading case: Daniel v. Morris, 181 So. 3d 1195 (Fla. 5th DCA 2015).

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Daniel v. Morris, 181 So. 3d 1195 (Fla. 5th DCA 2015). · cites it 9× “Although Associated Investigators and Morris correctly argue that the initial and subsequent tortfeasor doctrine can apply outside the context of medical malpractice, 3 the doctrine does not apply to this particular factual scenario. A secured party may take possession of the…”

S. Developers & Earthmoving, Inc. v. Caterpillar Fin. Servs. Corp., 56 So. 3d 56 (Fla. 2d DCA 2011). · cites it 2× “Under Article 9 of the Uniform Commercial Code, as codified in section 679.609(1), Florida Statutes (2006), a secured party, such as CAT, may take possession of collateral after a default by the debtor.”

Barclays Bank PLC v. Poynter, 710 F.3d 16 (1st Cir. 2013). “” Citing provisions of Florida’s *19 Uniform Commercial Code (“UCC”) 1 that relate to a secured party’s rights after a debtor’s default, the notice stated: “Further to the repossession of your 2005 Oyster 62, Hull ID # OYM0160KL505 in November this year, we herby [sic] provide…”

Textron Fin. Corp. v. Lentine Marine Inc., 630 F. Supp. 2d 1352 (S.D. Fla. 2009). · cites it 2× “§ 679.609, Fla. Stat. The secured party then “may sell, lease, license, or otherwise dispose of any or all of the collateral in its present condition or after following any commercially reasonable preparation or processing.”

Spellman v. Indep. Bankers' Bank of Florida, 161 So. 3d 505 (Fla. 5th DCA 2014). · cites it 3× “), as codified in section 679.609(1), Florida Statutes (2009), a secured party, such as IBBF, may take possession of collateral after a debtor’s default.”

Am. Atl. Transmission v. Nice Car, Inc., 112 So. 3d 639 (Fla. 4th DCA 2013). “The Dealers Association points out that section 679.609 of the Uniform Commercial Code allows a secured party to retake possession of its collateral after default without resorting to judicial process, if it can be done without a breach of the peace.”

William a. Hohns, Marcellus Rambo Benson, Jr., Kathlene Hohns, Jordan J. Reardon, Patrick Hohns, & Mark F. Bernard Vs Joe Lee Thompson (Fla. 5th DCA 2022). · cites it 4× “Section 679.609, Florida Statutes, provides that, after default, a secured party may take possession of the collateral without judicial process “if it proceeds without breach of the peace.”

Comerica Bank v. Mann, 13 F. Supp. 3d 1262 (N.D. Ga. 2013). “Mann’s Defíciency Liability Under Article 9 of the Uniform Commercial Code (UCC), as codified in Fla. Stat. Ann. § 679.609 (1), a secured party may take possession of collateral after a default by the debtor.”

Fitzgerald v. Mercedes-Benz Fin. Servs. USA LLC (M.D. Fla. 2024). · cites it 3× “See Lease Agreement at 9 (reflecting that the terms of the Lease Agreement permitted MBFS to “take possession of the vehicle without prior demand, unless notice or demand is required by law”); Fitzgerald’s Deposition at 35 (reflecting Fitzgerald’s agreement with the statement…”

Justin Mooney & Katarina A. Korray v. Color Le Palais of Boynton Beach Homeowners Ass'n, Inc. (Fla. 4th DCA 2025). · cites it 3× “Section 679.609, Florida Statutes (2025), states that after default, a secured party “[m]ay take possession of the collateral” “[w]ithout judicial process, if it proceeds without breach of the peace.”

Byrd v. Hyundai Motor Fin. (M.D. Fla. 2023). · cites it 2× “” Fla. Stat. § 679.609 (2)(b). Plaintiff alleges that Defendants breached the peace by continuing with the repossession in the face of Plaintiff’s repeated and unambiguous objections and instructions for the Defendant to stop the repossession.”

Westlake Flooring Co., LLC, D/B/A Westlake Flooring Servs. v. Miami Motorsports, LLC (Fla. 4th DCA 2025). · cites it 2× “§ 679.609(1)(a), (2), Fla. Stat. (2015). B.”

Show all 14 citing cases →

— 679.609(1) — 2 cases

S. Developers & Earthmoving, Inc. v. Caterpillar Fin. Servs. Corp., 56 So. 3d 56 (Fla. 2d DCA 2011). “Under Article 9 of the Uniform Commercial Code, as codified in section 679.609(1), Florida Statutes (2006), a secured party, such as CAT, may take possession of collateral after a default by the debtor.”

Spellman v. Indep. Bankers' Bank of Florida, 161 So. 3d 505 (Fla. 5th DCA 2014). “), as codified in section 679.609(1), Florida Statutes (2009), a secured party, such as IBBF, may take possession of collateral after a debtor’s default.”

— 679.609(1)(a) — 4 cases

William a. Hohns, Marcellus Rambo Benson, Jr., Kathlene Hohns, Jordan J. Reardon, Patrick Hohns, & Mark F. Bernard Vs Joe Lee Thompson (Fla. 5th DCA 2022). “Section 679.609, Florida Statutes, provides that, after default, a secured party may take possession of the collateral without judicial process “if it proceeds without breach of the peace.”

Westlake Flooring Co., LLC, D/B/A Westlake Flooring Servs. v. Miami Motorsports, LLC (Fla. 4th DCA 2025). “§ 679.609(1)(a), (2), Fla. Stat. (2015). B.”

Justin Mooney & Katarina A. Korray v. Color Le Palais of Boynton Beach Homeowners Ass'n, Inc. (Fla. 4th DCA 2025). “Section 679.609, Florida Statutes (2025), states that after default, a secured party “[m]ay take possession of the collateral” “[w]ithout judicial process, if it proceeds without breach of the peace.”

— 679.609(2)(b) — 1 case

Daniel v. Morris, 181 So. 3d 1195 (Fla. 5th DCA 2015). “Although Associated Investigators and Morris correctly argue that the initial and subsequent tortfeasor doctrine can apply outside the context of medical malpractice, 3 the doctrine does not apply to this particular factual scenario. A secured party may take possession of the…”

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