How CDcare’s Return Process Works (When You Can’t Continue Payments)

At CDcare, we understand that plans can change. If you’re unable to continue your payments, returning your item is a simple and flexible option.

When should you return the item?

If you’re unable to make your payment, the item should be returned within the grace period.

You can:

• Return it to any CDcare pickup center ( Click to see our pick up centers )

• Or contact us to arrange a pickup

What happens after you return the item?

1. 30-Day Holding Period

Once your item is returned, the 30-day holding period starts from the recorded return or retrieval date.

This allows you to:

• Resume your payments

• Contact CDcare to agree payment resumption and the requirements for reclaiming your item

2. If you do not resume payments

If you are still unable to continue after 30 days:

• CDcare will assist in finding a buyer for the item

• The item will be valued based on its current market condition

3. Settlement Process

From the sale value:

• Your outstanding balance will be deducted

• Applicable charges will be deducted

• Any remaining balance will be refunded to you

Important to note

• Returning the item stops Failure-to-Return Fees

• Returning early helps you avoid additional charges

• Keeping the item after the grace period leads to ongoing charges

Best option

If you’re unable to continue payments: 👉 Return the item within the grace period

It’s the easiest way to avoid extra charges and protect your balance.

Returning, reclaiming and resale

The 30-calendar-day holding period starts from the recorded date of return or retrieval.

Returning the item stops new failure-to-return fees. Previously accrued fees, applicable costs and any outstanding balance remain subject to settlement.

During the 30-day holding period, you can usually resume payments and arrange to reclaim your item. In some cases, CDcare may require full payment of the outstanding balance and applicable charges before releasing the item. Contact us to confirm the requirements for your account.

If the item is not reclaimed during the holding period, CDcare will send a separate resale-offer notice with the offer, deductions and a response deadline of at least 24 hours. The response deadline does not itself complete the transaction. Settlement is confirmed after it has been recorded.

A refund is only available if the resale proceeds exceed the outstanding balance and applicable charges. Accrued failure-to-return fees, retrieval costs, other applicable charges, or a lower resale value because of damage, misuse or the item’s condition may leave no refund. You may still owe a remaining balance after resale; CDcare will provide a settlement breakdown.