If repossession of a motor vehicle subject to an installment sale contract is effected other than by legal process, the buyer shall be liable for costs incurred by the holder in retaking, storing and repairing the motor vehicle only if:
(1) The default exceeds 15 days at the time of repossession.
(2) The costs are actual, necessary and reasonable, excluding repossession costs for services by an individual who is a regular full-time employee of the holder.
(3) The costs are supported by receipts or other satisfactory evidence of payment.
(4) The records of the holder show detailed information as to the nature and amount of each cost, the date of payment and the recipient of the payment.
Cross References. Section 6256 is referred to in sections 6203, 6258, 6259, 6261 of this title.