How to fill out the TC 96-192 in Kentucky
A field-by-field walkthrough of the Kentucky TC 96-192 (Affidavit Supporting Repossession and Disposition of a Vehicle) for licensed used car dealers — what goes in every section, who signs what, and the documents you attach. Verified against the official form as of October 2026.
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Filling out the KY TC 96-192 after a sale:
- What it is
- The Transportation Cabinet's sworn affidavit a secured party files to title or register a repossessed vehicle it has disposed of
- Who completes it
- The secured party's officer or authorized agent (the affiant), sworn before a notary. On a BHPH note, that's your dealership
- Where to file it
- The county clerk, attached to the title or registration application documents
- Processing time
- KRS 186.045(6): present it within fifteen days after the disposition
- Cost
- The form lists no fee of its own. KRS 186.045(6) says the new owner pays the county clerk the titling and transfer fees
This guide is informational and does not replace the official Kentucky instructions. Always confirm the current form and procedure with the Kentucky Transportation Cabinet and your county clerk before you file.
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DealerVLO fills the official Kentucky TC 96-192 straight from your deal: your dealership as secured party and its city; the security-agreement date (the sale date) as day, month and year; the debtor (buyer and co-buyer); and the make, VIN (in both the serial number and VIN blanks), year, model and body style. It prints from the servicing section of a BHPH deal where your dealership carries the note, for when you've taken a car back, not on every deal. The county, affiant name and title, type of vehicle, odometer, lien filing date, file number and county, covenants, the purchaser or retained-by block, last Kentucky plate, signature and notary stay blank. $29/month, free to try — cancel any time.
What the TC 96-192 is and why it matters
TC 96-192 is Kentucky's Affidavit Supporting Repossession and Disposition of a Vehicle. A secured party that repossesses a Kentucky-titled vehicle and disposes of it swears to it before a notary, then files it with the county clerk. If you sold the car on a buy-here-pay-here note and took it back, your dealership is the secured party.
Note the timing. This form is filed after the vehicle is disposed of, not the day you pick it up. KRS 186.045(6) gives you fifteen days after the disposition. This guide covers the paperwork only: each blank on the form, the notary, and what goes to the clerk. It doesn't cover when or how you may repossess, or the sale and notice rules the form cites.
The current revision is TC 96-192 (05/2020), from the Kentucky Transportation Cabinet, Division of Motor Vehicle Licensing. When people search for a "Kentucky repossession affidavit," this is the form. The subtitle says it's "For use by Secured parties in compliance with KRS 186.045(6)." It's one page of fill-in-the-blank sworn text with a notary block at the bottom.
Documents to have before you start
Gather these before you complete the TC 96-192. A missing attachment is the number-one reason the the Kentucky Transportation Cabinet and your county clerk bounces a title application back.
- The title or registration application — The form says to attach it to your title or registration application documents and deliver it to your county clerk.
- The vehicle's license plate — KRS 186.045(6) lists it, if the previous owner hasn't kept the plate.
- Proof of notification of all interested parties — KRS 186.045(6) lists proof of notification under KRS 186A.190 and 355.9-611.
- A termination statement, or proof one has been filed — Also listed in KRS 186.045(6).
TC 96-192, section by section
Venue and affiant: county, who's swearing, and their title
The top line is the venue: "STATE OF KENTUCKY, COUNTY OF" the county where it's sworn. Then the affiant's name and their title at the secured party (the form gives President and Secretary as examples). Then "of" the secured party's name and its city, Kentucky. On a BHPH note the secured party is your dealership, under the name on your lien.
| Field | Who fills it |
|---|---|
County of (venue) Where the affidavit is sworn. | You (dealer) |
The affiant (name), Title The person who'll sign before the notary. | You (dealer) |
Name of Secured Party, city Your dealership. | You (dealer) |
The security agreement and the vehicle
Next is the date the secured party and the debtor "entered into a security agreement," written as day, month, and year. The debtor is your BHPH buyer (plus co-buyer). Then the vehicle used as collateral: make, type of vehicle (the form's examples are passenger car and trailer), the serial or identification number, then the VIN, year, model, and body style. The odometer reading follows, and the form notes "an odometer reading is required on all transfers."
| Field | Who fills it |
|---|---|
Day, month, year of the security agreement | You (dealer) |
Name of Debtor Buyer and co-buyer. | You (dealer) |
Make, Type of Vehicle, Serial or Identification No. | You (dealer) |
VIN No., Year, Model, Body Style | You (dealer) |
Odometer reading Required on all transfers, per the form. | You (dealer) |
Where the lien was filed
The affidavit then states that the financing "was titled on" a date, "with File No." and in a named County Court Clerk's office. Take these from your lien filing with the county clerk. They point the clerk to the lien this repossession is under.
| Field | Who fills it |
|---|---|
Titled on (date) | You (dealer) |
File No. | You (dealer) |
County Court Clerk's office | You (dealer) |
Possession and default
The form states that possession "has been lawfully taken by the secured party" because the debtor defaulted on one or more installments, and/or breached one or more covenants of the security agreement. There's a space to "list here any state covenants violated, if any." If the default was missed payments only, the printed text covers it.
| Field | Who fills it |
|---|---|
Covenants violated (if any) | You (dealer) |
Disposition: sold to a purchaser, or retained
This is why the form is filed after the vehicle is gone. Fill in the name and address of the purchaser it was disposed of to, as provided in KRS 355.9-503 and 355.9-504. Or, if the secured party kept it, fill in the secured party's name on the "retained by" line (KRS 355.9-505). The affidavit also states that notice has been given to the debtor and all other persons entitled to it. Last, the last Kentucky license number issued for the vehicle, its county, and the year.
| Field | Who fills it |
|---|---|
Name of purchaser, Address of purchaser If you sold it. | You (dealer) |
Retained by (Secured Party) If you kept it. | You (dealer) |
Last Kentucky license No., County of, for year of | You (dealer) |
Signature and notary
The closing paragraph says the affidavit is made to obtain a license and/or transfer under KRS 186.045, and that the affiant is "duly authorized to sign this affidavit" for the corporation, firm, or co-partnership. The affiant signs, then the person administering the oath completes "Subscribed and sworn to before me by," the day, month and year, their commission number and expiration, signature, and title. Sign in front of the notary.
| Field | Who fills it |
|---|---|
Signature of affiant In front of the notary. | You (dealer) |
Subscribed and sworn block, commission #, expiration, signature, title The notary completes this block. | You (dealer) |
Common TC 96-192 mistakes that cause rejections
The form asks who the vehicle was disposed of to, or who retained it. KRS 186.045(6) has you present it within fifteen days after the disposition.
Put the disposition date on your calendar and file within fifteen days, with the plate (if not kept by the previous owner), proof of notification, and the termination statement.
The form says an odometer reading is required on all transfers. Read it off the vehicle.
Pull them from your lien filing with the county clerk before you go to the notary.
It's a sworn affidavit: "Subscribed and sworn to before me." Sign in front of the person administering the oath.
Common questions
What is the Kentucky repossession affidavit?+
It's Transportation Cabinet Form TC 96-192, Affidavit Supporting Repossession and Disposition of a Vehicle (05/2020). Secured parties use it under KRS 186.045(6) to title or register a repossessed vehicle after disposing of it.
When do I file TC 96-192?+
After the vehicle is disposed of. KRS 186.045(6) says the secured party presents the affidavit, along with the other listed items, within fifteen days after the disposition.
Where do I file TC 96-192?+
With the county clerk. The form says to attach it to your title or registration application documents and deliver it to your county clerk.
Does TC 96-192 need to be notarized?+
Yes. It's a sworn affidavit with a "Subscribed and sworn to before me" block for the person administering the oath.
What else goes to the county clerk with it?+
KRS 186.045(6) lists the vehicle's license plate if the previous owner hasn't kept it, the affidavit, proof of notification of all interested parties under KRS 186A.190 and 355.9-611, and a termination statement or proof one has been filed.
What if I kept the repossessed vehicle instead of selling it?+
The form covers that. Instead of a purchaser, fill in the secured party on the line for a vehicle "retained by" the secured party under KRS 355.9-505.
Is there software that fills out the TC 96-192 automatically?+
Yes. Dealer management software like DealerVLO fills the official Kentucky TC 96-192 from the deal you already entered: your dealership as secured party and its city; the security-agreement date (the sale date) as day, month and year; the debtor (buyer and co-buyer); and the make, VIN (in both the serial number and VIN blanks), year, model and body style. It prints from the servicing section of a BHPH deal where your dealership carries the note, for when you've taken a car back, not on every deal. The county, affiant name and title, type of vehicle, odometer, lien filing date, file number and county, covenants, the purchaser or retained-by block, last Kentucky plate, signature and notary stay blank. Signatures stay blank for ink. It's $29/month flat with a 14-day free trial, and the same deal also generates your federal documents (Bill of Sale, FTC Buyers Guide) and your state title paperwork.
Stop filling out the TC 96-192 by hand.
DealerVLO fills the official KY TC 96-192 straight from your deal jacket: your dealership as secured party and its city; the security-agreement date (the sale date) as day, month and year; the debtor (buyer and co-buyer); and the make, VIN (in both the serial number and VIN blanks), year, model and body style. It prints from the servicing section of a BHPH deal where your dealership carries the note, for when you've taken a car back, not on every deal. The county, affiant name and title, type of vehicle, odometer, lien filing date, file number and county, covenants, the purchaser or retained-by block, last Kentucky plate, signature and notary stay blank. $29/month. 14-day free trial, cancel any time.
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