How Repossession Records Work Together in Automotive Cloud

The example used throughout this topic

One example runs through every section below. Riverbend Auto Finance is recovering financed vehicles after its borrower, Maya Torres, falls behind on her auto loan. Each time the topic refers to something of Maya's, it maps to one specific record.

In the story	Record it maps to
Maya, Riverbend's customer	the Account
Maya's auto loan	the Financial Account
Riverbend's tracking of Maya's delinquency	the Collection Plan
Maya's financed sedan and truck	two Assets (or Party Financial Assets)
Riverbend's recovery case against Maya	one Repossession
The recovery work on each vehicle	one Repossession Item per vehicle

To stay precise, this topic never says "Maya's account" on its own. It always names the exact record—Maya's Financial Account, Maya's Collection Plan, or the Account.

The Repossession and the Repossession Item

A Repossession can include one or more Repossession Items—one for each financed vehicle or asset in the case. Each Repossession Item belongs to exactly one Repossession.

Some details belong to the whole Repossession: the Account, the originating Collection Plan, and the assessments that apply across vehicles. Other details belong to a single vehicle: its stage, appraisal, title, recovery cost, and assigned agency. Each vehicle's work is captured on its own Repossession Item.

In the example, Riverbend opens one Repossession for its recovery case against Maya. Because her loan covers a sedan and a truck, that Repossession has two Repossession Items, one per vehicle. The sedan's item can be in review while the truck's item is already assigned to an agency.

How the Repossession relates to collections, finance, and the vehicle

Think of the Repossession as the recovery record that sits on top of the records Riverbend already holds for Maya. Her auto loan is the Financial Account. When she falls behind, the Collection Plan tracks that delinquency. The Repossession points back to both Maya's Collection Plan and Maya's Financial Account.

Collection Plan and Collection Plan Milestone are Collections and Recovery objects and require the Collections and Recovery capability. Repossession and Repossession Item are part of the Vehicle and Asset Finance data model in Automotive Cloud.

A Repossession can optionally look up a Case, but linking a Case isn't required to create or work a Repossession. When Collections Overview shows Cases, those are Salesforce Case records related to Maya's Collection Plan—not to the Repossession itself.

A specialist typically starts pre-repossession from Maya's Collection Plan, the recommended entry point. They can also start from Maya's Financial Account. Submitting the process creates the Repossession and one Repossession Item for each vehicle they select.

Each Repossession Item ties to its vehicle through the required Related Item field—a polymorphic lookup that points to either an Asset or a Party Financial Asset. You set only the Related Item. On save, the system derives the rest:

• If the Related Item is an Asset—say, Maya's sedan—the system fills in the Asset field.
• If the Related Item is a Party Financial Asset, the system fills in the Party Financial Asset field, and also fills in the Asset field when that Party Financial Asset points to an Asset.

The separate Asset and Party Financial Asset fields are used mainly for reporting. The item's Stage is a dynamic picklist with no built-in values, so admins configure the stages that match their process. Approval Status is a separate, fixed picklist that customers can't customize. Its values are Approved, Rejected, On Hold, In Review, Pending, and Not Required.

What appears on the Repossession versus the Repossession Item

Work that applies to Maya's Financial Account appears on the Repossession. Work that describes a vehicle appears on that vehicle's Repossession Item. Specialists see both in the Repossession Console without switching apps.

Notice obligations are defined as Repossession Notice Rule records and evaluated by the Repossession Notice Rule Eligibility decision table. When Riverbend mails Maya a right-to-cure notice through its own channel, a specialist records a Repossession Notice Log. Salesforce stores that evidence; it doesn't send the notice. The log creates a Collection Plan Milestone, such as Right-to-Cure Notice Sent, and can create a related Financial Account Milestone. When the Repossession is created, any missing notices raise advisory record alerts on the Repossession. These alerts are informational—they don't prevent the Repossession from being created.

On the Collateral tab, vehicle-level records hang off the Repossession Item. An Appraisal looks up the Repossession, while each Appraisal Item looks up the Repossession Item for that vehicle. Recovery expense is stored as Repossession Item Cost records, with line items that can use a Cost Book Entry. Those costs roll up on the item and feed the recovery estimate on the tab.

Assessments can apply to the whole Repossession or to a specific item. After a Repossession Reviewer approves the request, agency assignment, user assignment, processing holds, and vehicle sightings continue on the same Repossession Item. These are stored as Repossession Item Vendor, Repossession Item User, Repossession Item Processing Hold, and Asset Location records. Case-level work stays on the Repossession; vehicle work stays on its item.