Before repossessing a vehicle in Virginia, is it required to send the debtor a "Final Notice"?

In Virginia, it is not a requirement to send a "Final Notice" before repossessing a vehicle. The law allows lenders to take possession of a vehicle without advanced notice to the debtor, provided that the repossession is done peacefully and without breaching the peace. This aligns with the general principles of secured transactions under the Uniform Commercial Code (UCC), where repossession can occur without prior notification unless specified otherwise in the loan agreement. Therefore, stating that it is false that a "Final Notice" must be sent reflects an understanding of the legal framework surrounding vehicle repossessions in Virginia.