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So I bought a car, my first car. I know I probably should've gone to a dealer but I went to go register the car in my name. I was able to but it says lienholder on my title. How do I get that removed? Please be nice. I don't know about cars.
So I bought a car, my first car. I know I probably should've gone to a dealer but I went to go register the car in my name. I was able to but it says lienholder on my title. How do I get that removed? Please be nice. I don't know about cars.
Huh? Is this car financed? Who (or what) did you buy it from?
If you bought from a private party, the vehicle must have been financed at some point. There can be errors at the DMV where even if the title is in hand, the lien may not have been properly removed. I am assuming that the seller furnished you with the title. What they need to do is obtain a release of lien from the lienholder so the DMV can re-title in your name and allow you to register the vehicle. You may be able to contact the leinholder and explain the situation to get a letter for the DMV releasing their claims on the vehicle, as well, without disclosing the seller's personal information to you; however, they may want the seller to obtain the release, assuming the vehicle was paid off and you have a copy of title in hand from the seller with the bill of sale.
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Notsmartaboutcars, when someone finaces a vehicle, that person actually does not own the car. Bank owns it. There is lien on the car. One of my cars is financed, and new title that came in has my name on it and credit union name on it as lien holder.
I am presuming, title you talking about is title given to you by seller? Or, by DMV? As seller gives you title, you go to DMV licensing, turn in title, and they send you a new one, vehicle registered in your name - or bank name - about a month later.
So which title is it?
So I bought a car, my first car. I know I probably should've gone to a dealer but I went to go register the car in my name. I was able to but it says lienholder on my title. How do I get that removed? Please be nice. I don't know about cars.
If you bought from a private party, the vehicle must have been financed at some point. There can be errors at the DMV where even if the title is in hand, the lien may not have been properly removed. I am assuming that the seller furnished you with the title. What they need to do is obtain a release of lien from the lienholder so the DMV can re-title in your name and allow you to register the vehicle. You may be able to contact the leinholder and explain the situation to get a letter for the DMV releasing their claims on the vehicle, as well, without disclosing the seller's personal information to you; however, they may want the seller to obtain the release, assuming the vehicle was paid off and you have a copy of title in hand from the seller with the bill of sale.
Good answer ! I will share my experience with you. 10 years ago I bought a 40+ y/o Corvette from the original owner in NY. Paid him cash and he handed me the title and keys. Stupid me, I didn't check the title for a Lien until I got home, and there was one. Owner stated he had paid the car off in the first 3 yrs but had no lien release. Drove back up to NY and the seller and I went to his bank......which had changed names/hands/owners 5 times over the years. Long story short, the local bank was of no help.
So I went back home and had to research on the internet who had bought the first bank, who had bought/sold the second bank....and on and on. Wasn't really that hard to do but time consuming/aggravation. Finally came up with which bank currently owned/stored the old records, which was now in Texas and CALLED THEM, no email stuff, I wanted to talk to an actual person. The person I spoke with in TX wasn't giving me the answers/help I wanted to hear, I asked to speak to her supervisor, who turned out to be a car guy. Had my Lien Release snail mailed to me in a matter of days.
so the upshot is buying from a private seller is fine but ALWAYS check the title before money changes hands.
and to the OP, on your title it should state who the lien holder is and that is who you need to contact. As the buyer I was able to obtain the lien release, the seller was kinda helpful but in the end it was all on me. YMMV, good luck, with some effort you will get this done and next time you will be much the wiser.
Now if the Lien was never paid off you have another problem............keep us posted on your results.
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