Download the official form here: Florida HSMV Form 82192 – Notice to Surrender Motor Vehicle/Vessel (PDF)
What Is Florida HSMV Form 82192?
Form HSMV 82192 is the official notice that a lienholder (also called the lienor) must send to the registered owner(s) of a motor vehicle or vessel. It informs the owner that they must immediately surrender and deliver the vehicle or vessel to the lienholder at a specified location during regular business hours.
The form is maintained by the Florida Department of Highway Safety and Motor Vehicles, Division of Motorist Services. The current version carries the revision code HSMV 82192 (06/14) S and is available free of charge on the official FLHSMV website.
Key sections of the form include:
- Date of the notice
- Registered owner’s name(s) and address
- Lienholder’s name, address, and telephone number
- Detailed description of the vehicle or vessel (year, make, model, body style, color, VIN or hull identification number, and registration license plate number if known)
- Days of the week and business hours for surrender
- Physical surrender address
- Authorized signature of the lienholder
The form must be accurately completed and signed by the lienholder before it is sent to the owner. The lienholder is required to keep a copy for their records.
When Is Form 82192 Used?
Lienholders typically use Form 82192 in situations involving defaulted loans or other secured interests where the owner has failed to return the collateral. Common scenarios include:
- A borrower defaults on a vehicle or vessel loan and the collateral cannot be located or has been disposed of
- The vehicle or vessel has been concealed, removed, or destroyed by the owner
- The lienholder needs to place a “repossession recovery attempt stop” on the owner’s registration record
This form is the first step in a two-step process. After sending Form 82192 and allowing a reasonable time for compliance, the lienholder may submit Form HSMV 82191 (Notice or Discharge of Repossession Recovery Attempt) along with a copy of the completed 82192 to the department to add the stop to the owner’s record.
Legal Authority: Florida Statute 320.1316
Florida Statute 320.1316 governs the failure to surrender a vehicle or vessel. Under this law:
- Upon receipt of a properly completed notice from a lienor who claims a lien under section 319.27, the Department of Highway Safety and Motor Vehicles must place the registered owner’s name on a list of persons who may not be issued a license plate, revalidation sticker, or replacement license plate.
- The same restriction applies to vessel registration numbers and decals.
- If the vehicle or vessel is owned jointly, every registered owner’s name is placed on the list.
The notice must be signed under oath by the lienor and must contain specific information required by the statute, including the lienor’s contact details, the owner’s name and address to which notice was provided, a general description of the vehicle or vessel, and the identification number.
Owners who wish to challenge the notice or their inclusion on the list may file a civil action in the county where they reside. The court uses a summary procedure under section 51.011, and the petitioner may request that the case be advanced on the calendar.
How to Complete and Serve Florida HSMV Form 82192?
Lienholders should follow these best practices:
- Download the official form from the FLHSMV website.
- Accurately complete every required field, including a full description of the vehicle or vessel and clear surrender instructions (days, hours, and address).
- Sign the form under oath as the authorized representative of the lienholder.
- Send the completed form to the registered owner(s). Many lienholders use certified mail with return receipt requested to create a clear paper trail.
- Retain a complete copy of the signed form and proof of mailing for their records.
- After a reasonable time has passed without surrender, submit a copy of Form 82192 together with Form HSMV 82191 to the department to request the repossession recovery attempt stop.
Note that a repossession recovery attempt stop cannot be placed on a vessel or mobile home in the same manner as a motor vehicle in some contexts; always verify current procedures with the local tax collector or FLHSMV.
Consequences of Failing to Surrender the Vehicle or Vessel
If the registered owner does not surrender the motor vehicle or vessel as required:
- Their name is placed on the FLHSMV list maintained under section 320.03(8).
- They will be unable to obtain a new license plate, revalidation sticker, or replacement license plate for the identified vehicle.
- They will be unable to obtain a vessel registration number or decal for the identified vessel.
- Joint owners are each subject to the same restriction.
These restrictions remain in effect until the matter is resolved—either by surrender of the collateral, satisfaction of the lien, or a successful court challenge.
How Owners Can Dispute the Notice?
Registered owners have the right to dispute the notice or their inclusion on the restricted list by filing a civil action in the county of their residence. At the hearing, the court first determines whether the lienor has a recorded lien and whether the demand for surrender was properly made.
If those elements are established, the owner must prove “good cause” for the failure to surrender. Under the statute, good cause is limited to specific circumstances, including:
- The vehicle was traded in to a licensed motor vehicle dealer before the demand
- The lien has been paid in full or otherwise satisfied
- There is ongoing litigation regarding the validity or enforceability of the lien
- The owner was in full compliance with contractual obligations at the time of the demand
- The vehicle or vessel was reported stolen to law enforcement before the demand
- The owner no longer has possession and the loss occurred pursuant to operation of law
If the owner establishes good cause, the court orders removal from the list and may award attorney fees and costs. If the owner fails to establish good cause, the lienor may be awarded attorney fees and costs.
Related Forms and Additional Resources
Form 82192 is closely linked to other FLHSMV documents:
- HSMV 82191 – Notice or Discharge of Repossession Recovery Attempt (required to place or remove the stop)
- HSMV 82050 – Notice of Sale and/or Bill of Sale
- HSMV 82260 – Lien Satisfaction
For the most current official forms and procedures, visit the Florida Department of Highway Safety and Motor Vehicles Forms page: FLHSMV Forms.
You may also locate local tax collector offices and motor vehicle service centers through the official locations directory: FLHSMV Locations.
Frequently Asked Questions
Is Form 82192 available online?
Yes. The official PDF is available free of charge at https://www.flhsmv.gov/pdf/forms/82192.pdf.
Who must sign the form?
The form must be signed by an authorized representative of the lienholder under oath.
Does the form apply to both motor vehicles and vessels?
Yes. Form 82192 covers both motor vehicles and vessels.
Can an owner remove their name from the restricted list?
Yes, by surrendering the collateral, satisfying the lien, or successfully challenging the notice in court under Florida Statute 320.1316.
Is there a fee to file Form 82192?
There is no fee to complete or send the form itself. Fees may apply later when the lienholder submits Form 82191 to place the stop.
Conclusion
Florida HSMV Form 82192 is an essential tool for lienholders seeking to enforce their rights when a motor vehicle or vessel securing a lien has been disposed of, concealed, removed, or destroyed. Proper use of the form, combined with Form 82191, allows the lienholder to trigger registration restrictions that strongly encourage the owner to comply.
Owners who receive this notice should take it seriously and either surrender the vehicle or vessel promptly or consult an attorney about their rights under Florida Statute 320.1316. Always use the official form from the FLHSMV website to ensure accuracy and compliance with current requirements.