ILCS » Chapter 810 · Act 5

810 ILCS 5/9-609

Secured party's right to take possession after default

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(810 ILCS 5/9-609)
    Sec. 9-609. Secured party's right to take possession after default.
    (a) Possession; rendering equipment unusable; disposition on debtor's premises. After default, a secured party:
        (1) may take possession of the collateral; and
        (2) without removal, may render equipment unusable
    
and dispose of collateral on a debtor's premises under Section 9-610.
    (b) Judicial and nonjudicial process. A secured party may proceed under subsection (a):
        (1) pursuant to judicial process; or
        (2) without judicial process, if it proceeds without
    
breach of the peace.
    (c) Assembly of collateral. 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.
(Source: P.A. 91-893, eff. 7-1-01.)

    
Notes of Decisions
Cited in 15 cases (8 in the last 5 years), 2005–2026 · leading case: Barnes v. Northwest Repossession, LLC
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Barnes v. Northwest Repossession, LLC (2016) ilnd · cites it 2× “810 ILCS 5/9-609 (“After default, a secured party.”
Jackson v. City of Chicago (2012) illappct · cites it 2× “-14- Transactions (UCC) (810 ILCS 5/9-609(a)(1), (b)(1), (b)(2) (West 2008)), after default, a secured party “may take possession of the collateral,” and may do so “pursuant to judicial process” or “without judicial process, if it proceeds without breach of the peace.”
Costa v. Mauro Chevrolet, Inc. (2005) ilnd “” 810 ILCS 5/9-609(a)(1). The parties dispute whether a default occurred on the loan to GMAC.”
Murray v. Poani (2012) illappct · cites it 2× “A “breach of the peace” under section 9-609 of the UCC (810 ILCS 5/9-609 (West 2008)) has been defined to mean “conduct which incites or is likely to incite immediate public turbulence, or which leads to or is likely to lead to an immediate loss of public order and tranquility.”
In Re Weiss (2007) ilnb “Second, the term “proceeds,” as defined in Article 9 of the Commercial Code, is so broad that there is very little difference between the right to proceeds and the right to the full business interest: “Proceeds,” except as used in Section 9-609(b) [810 ILCS 5/9-609], means the…”
First American Bank v. Poplar Creek, LLC (2024) illappct “) 810 ILCS 5/9-609(a)(1) (West 2022). Further, under section 9-610(a), “[a]fter default, a secured party may sell, lease, license, or otherwise dispose of any or all of the collateral in its present condition or following any commercially reasonable preparation or processing.”
Eric Lee Bouie v. Credit Acceptance Corp., NWR Transport, LLC, Hoffman Estates Police Department, Officer Kyle Aldon, an (2025) ilnd · cites it 4× “§ 1983 (Count II) and unlawful repossession/breach of peace in violation of 810 ILCS 5/9-609 (Count III). (Id. at *5.”
Eric Lee Bouie v. Credit Acceptance Corp., NWR Transport, LLC, Hoffman Estates Police Department, Officer Kyle Adlon, an (2026) ilnd · cites it 4× “) Under 810 ILCS 5/9-609, after a default, a secured party may “take possession of the collateral,” and may do so, “without judicial process, if it proceeds without breach of the peace.”
Roberts v. Image Recovery Service, Inc. (2025) ilsd · cites it 2× “” 810 ILCS 5/9-609(b). In other words, a secured party may not engage in self-help repossession “if doing so would cause a breach of the peace.”
James Thompson v. Westlake Services, LLC DBA Westlake Financial, et al. (2025) ilnd · cites it 2× “§ 9-609, or 810 ILCS 5/9-609 (adopting UCC § 9-609), permits a secured party to take possession of the collateral and “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…”
Sabrina Archibald and Sade Archibald v. Scott Credit Union (2025) ilsd · cites it 2× “810 ILCS 5/9-609(a). It allows them to proceed in two ways: “(1) pursuant to judicial process; or (2) without judicial process, if it proceeds without breach of the peace.”
Sabrina Archibald and Sade Archibald v. Scott Credit Union (2026) ilsd · cites it 2× “810 ILCS 5/9-609(a). It allows them to proceed in two ways: “(1) pursuant to judicial process; or (2) without judicial process, if it proceeds without breach of the peace.”
Show all 15 citing cases →
— 810 ILCS 5/9-609(a) — 3 cases
Sabrina Archibald and Sade Archibald v. Scott Credit Union (2025) ilsd “810 ILCS 5/9-609(a). It allows them to proceed in two ways: “(1) pursuant to judicial process; or (2) without judicial process, if it proceeds without breach of the peace.”
Sabrina Archibald and Sade Archibald v. Scott Credit Union (2026) ilsd “810 ILCS 5/9-609(a). It allows them to proceed in two ways: “(1) pursuant to judicial process; or (2) without judicial process, if it proceeds without breach of the peace.”
General Motors Aceptance Corp. v. Stoval (2007) illappct
— 810 ILCS 5/9-609(a)(1) — 4 cases
Jackson v. City of Chicago (2012) illappct “-14- Transactions (UCC) (810 ILCS 5/9-609(a)(1), (b)(1), (b)(2) (West 2008)), after default, a secured party “may take possession of the collateral,” and may do so “pursuant to judicial process” or “without judicial process, if it proceeds without breach of the peace.”
Costa v. Mauro Chevrolet, Inc. (2005) ilnd “” 810 ILCS 5/9-609(a)(1). The parties dispute whether a default occurred on the loan to GMAC.”
First American Bank v. Poplar Creek, LLC (2024) illappct “) 810 ILCS 5/9-609(a)(1) (West 2022). Further, under section 9-610(a), “[a]fter default, a secured party may sell, lease, license, or otherwise dispose of any or all of the collateral in its present condition or following any commercially reasonable preparation or processing.”
De Lage Landen Financial Services, Inc. v. Myashkov Logistics, Inc. (2025) ilnd
— 810 ILCS 5/9-609(b) — 4 cases
Roberts v. Image Recovery Service, Inc. (2025) ilsd “” 810 ILCS 5/9-609(b). In other words, a secured party may not engage in self-help repossession “if doing so would cause a breach of the peace.”
Sabrina Archibald and Sade Archibald v. Scott Credit Union (2025) ilsd “810 ILCS 5/9-609(a). It allows them to proceed in two ways: “(1) pursuant to judicial process; or (2) without judicial process, if it proceeds without breach of the peace.”
Sabrina Archibald and Sade Archibald v. Scott Credit Union (2026) ilsd “810 ILCS 5/9-609(a). It allows them to proceed in two ways: “(1) pursuant to judicial process; or (2) without judicial process, if it proceeds without breach of the peace.”
General Motors Aceptance Corp. v. Stoval (2007) illappct
— 810 ILCS 5/9-609(b)(2) — 1 case
Murray v. Poani (2012) illappct “A “breach of the peace” under section 9-609 of the UCC (810 ILCS 5/9-609 (West 2008)) has been defined to mean “conduct which incites or is likely to incite immediate public turbulence, or which leads to or is likely to lead to an immediate loss of public order and tranquility.”
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