Voluntary Return Service Agreement
Last updated: May 14, 2026
This is the public reference version of the agreement the customer signs electronically before a Voluntary Return Coordination case is scheduled. The signable surface is rendered separately with the customer's case data, required checkboxes and timestamp.
Draft pending Massachusetts-licensed consumer attorney review. This template will become binding only when explicitly accepted by the customer at checkout and counter-signed by Before Repo.
1. Identification of the Customer
Customer is the natural person executing this Agreement. The signable version captures full legal name, residential address, the last four digits of the Social Security Number or alternate government-issued identifier, and contact email and phone.
2. Identification of the Vehicle
Vehicle is identified by Vehicle Identification Number (VIN), state license plate number and state, year, make and model. The customer represents that the VIN provided matches the vehicle physically to be surrendered.
3. Identification of the Lender
Customer identifies the lender holding the loan or lease on the Vehicle, including lender name, address and customer's loan or account number. Customer authorizes Before Repo to coordinate the return with the lender of record.
4. Authority and Voluntary Nature
Customer represents and warrants: (a) Customer is the legal owner or co-signer of the Vehicle and has the authority to authorize voluntary surrender; (b) the decision to surrender is voluntary and not coerced by Before Repo, the lender, or any third party; (c) no separate agreement, contract or pending litigation prohibits surrender.
5. Acknowledgment of Continuing Loan Obligation
Customer understands that voluntary surrender does NOT eliminate the underlying loan balance. After the Vehicle is sold, the lender may pursue any deficiency balance (the difference between the sale price and the amount owed) as permitted by Massachusetts law. Customer acknowledges retention of all rights under M.G.L. c. 255B, including the right to cure and the right to receive a pre-sale notice that includes fair market value.
6. Scope of Before Repo Services
Before Repo will coordinate pickup scheduling with the customer and a Massachusetts-licensed towing partner, capture documentation (photos, mileage, condition notes, keys and personal belongings checklist), deliver the Vehicle to the lender-designated location, and provide the customer and lender with a full documentation packet. Before Repo does not act as a debt collector, lender representative, legal counsel or credit counselor.
7. Authorization to Engage Independent Towing Partner
Customer authorizes Before Repo to delegate the physical pickup to a Massachusetts-licensed towing partner. Before Repo remains the customer's point of contact for coordination, while the partner is responsible for the physical handling of the Vehicle.
8. Documentation Authorization
Customer authorizes Before Repo and its towing partner to photograph the Vehicle exterior, interior and odometer; document condition; record keys and personal items present at pickup; and capture the signed receipt of delivery to the lender-designated location.
9. Right to Cancel
Customer may cancel this Agreement and request a full refund of the Voluntary Return Coordination fee at any time up to 24 hours before the scheduled pickup window. After that point, fees are non-refundable except as required by Massachusetts law.
10. Right to Consult Counsel
Customer's signature on this Agreement does not waive Customer's right to consult with a Massachusetts-licensed consumer attorney at any time. Before Repo will not discourage, condition or penalize Customer's exercise of this right.
11. Liability and Limitations
Before Repo's liability under this Agreement is limited to amounts actually paid by the Customer to Before Repo for the coordination service. Nothing in this Agreement waives Customer's non-waivable consumer rights under Massachusetts General Law Chapter 93A or other applicable consumer protection law.
12. Choice of Law and Dispute Resolution
This Agreement is governed by Massachusetts law. Disputes arising from this Agreement may be brought in Massachusetts state or federal court. Claims arising under M.G.L. c. 93A are expressly preserved and not subject to mandatory arbitration.
13. Electronic Signature, Date and IP
Customer's electronic signature, the timestamp of signing and the IP address from which the signature was submitted are captured and retained by Before Repo as part of the case file. Customer may request a copy at any time by contacting Before Repo.
The actual signing surface includes a typed-name signature, date, IP capture and a checkbox confirming customer has read and agrees to this Agreement. A countersigned copy is emailed to the customer immediately after signing.