Getting a Lien Release: How to Clear Your Car Title
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In this episode, we break down the steps to getting a lien released on your motor vehicle so you can obtain your title. There are different scenarios, each requiring a specific approach. Learn the proper way to request a lien release and avoid common pitfalls.
In this episode, we break down the steps to getting a lien released on your motor vehicle so you can obtain your title. There are different scenarios, each requiring a specific approach. Learn the proper way to request a lien release and avoid common pitfalls.
Key Topics Covered:
- Understanding Different Scenarios:
- Loan is paid off
- Loan is not paid off
- Lender is out of business
- How to Request a Lien Release:
- Always do it in writing (never by phone, email, or text)
- Send a formal request via postal mail
- Why Written Requests Work Best:
- Banks do not have a dedicated lien release department
- A written request ensures a paper trail and increases response rates
- What to Include in Your Request:
- If the loan is paid off: Contact the lender directly or use a title service
- If the loan is not paid off: Include a Letter of Non-Interest and an Affidavit of Facts
- If the lender is out of business: Send a request to their last known address before seeking a court order
- Backup Method: Magistrate Title:
- If the lender does not respond, file a magistrate or court order title
- Courts can clear the lien if you prove you attempted contact
- Success Rates & Final Tips:
- 82% success rate in getting lien releases, even if money is owed
- Always request in writing to avoid a 0% success rate with phone/email requests
- Keep records of all correspondence for legal proof
Resources & Consultations:
- Need one-on-one guidance? Visit ActualHuman.com for private video consultations with certified title agents.
- Explore our channel for more videos on resolving vehicle title issues.
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