Carcept

Did a repo agent break into your garage, cut a lock, or keep going after you said stop?

Repossessions happen fast. Under the Uniform Commercial Code (UCC 9-609), a lender or its agent cannot take a car by "breaching the peace," and the personal property left inside has to be returned. But weeks later, when a consumer attorney or your state attorney general asks what happened, the details have blurred.

Carcept is a private place to write it down while it is fresh: each event, what the agent did, what was said, who saw it, and every item left in the car.

WHAT YOU CAN RECORD
- Each event: date and time, the location in your own words, who took the vehicle, and the creditor it was for
- A breach-of-peace checklist: forced entry to a closed garage, a cut lock, threats, being blocked in, an ignored objection - you record what you observed
- The exact words said, and any witnesses
- A personal-property inventory of everything left in the car, with your estimated values and a recovery status: pending, returned, or refused
- Follow-up communications as you push to get your property back

REFERENCE, ON YOUR PHONE
A plain-language reference to UCC 9-609 and a 50-state guide to repossession rules - the breach-of-peace standard, notice requirements, and the return-of-property rule - drawn from public statutes. It is general information so you can read the law yourself; it does not decide whether your repossession was lawful.

FREE
- Record up to 10 events and communications, each with the full breach-of-peace checklist and property inventory
- The complete read-only timeline of what you logged
- The UCC and 50-state repossession-law reference, in full
- App Lock with Face ID, free for everyone

PRO - 9.99 USD per year, with a 14-day free trial
- Repossession evidence timeline PDF: dated events with your breach-of-peace notes, verbatim record, witnesses, and the property inventory, organized for a consumer attorney
- Personal-property recovery demand letter (a template) listing the items held in the vehicle and requesting their return, with a reminder to have an attorney review it
- Unlimited events, communications, and property items
- Home and Lock Screen widget showing items pending, returned, or refused

LIFETIME - 24.99 USD once
- Everything in Pro, one purchase.

WHAT CARCEPT IS NOT
- Not affiliated with, endorsed by, or connected to the CFPB, the FTC, or any government agency; any lender, repossession company, or collection agency; or any law firm.
- It does not give legal advice, does not decide whether a repossession was lawful, does not predict any outcome, and does not recommend attorneys. The references are general information only.
- It records the event and the conduct you observed, plus the property inside - never auto-loan account details like an account number, balance, or payment history.

PRIVATE BY DESIGN
Your records live on your iPhone - there is no account and nothing is uploaded to a server. Beyond PDF generation, the app has no built-in export, import, or backup; your data is included in iOS Backups (iCloud Backup or Finder) when enabled, and if you delete Carcept without one your records are permanently lost. Face ID lock is available in Settings. Carcept is designed exclusively for iPhone.

WHERE TO GET HELP (in the app)
- Consumer Financial Protection Bureau: consumerfinance.gov
- Your state Attorney General's consumer-protection office
- NACA consumer-advocate finder: consumeradvocates.org

SUBSCRIPTION TERMS
The annual subscription auto-renews until canceled. Renewal is charged within 24 hours before the period ends unless auto-renewal is turned off at least 24 hours prior. Payment is charged to your Apple ID. Manage or cancel in Settings > Apple ID > Subscriptions. The Lifetime purchase is a single charge with no recurring billing.

SUPPORT
captainlongevity@gmail.com

Privacy Policy: https://app-legal-pages.vercel.app/carcept/privacy
Terms of Service: https://app-legal-pages.vercel.app/carcept/terms