How To Get Your Car Title From the Lienholder (Paid Off or Charged Off)
Download MP3🔑 In This Episode:
- What a vehicle lien release is and why it's important
- What happens to your vehicle title after you've paid off your car loan
- Why your lender holds the title during the loan period
- Common issues people face after loan payoff:
- Title lost in the mail
- Lender fails to send the title
- Lien still recorded in DMV database
- Why you can’t just ask the lender to send another title
- The solution: Request a lien release form
- How to get a lien release if:
- The bank won't respond
- They say they already sent it
- You can’t find a real person to help you
- Why most lenders don’t have a dedicated lien release department
- The most effective method to get your lien release:
- Prepare all the necessary documents yourself
- Include a lien release form, letter of non-interest, and declaration of facts
- Mail the complete package to the lender
- Include a stamped return envelope to make it easy for them
- What to do after you receive your lien release:
- Bring it to the DMV to get your new title
- Or mail it to the DMV with completed forms
- Why preparing everything yourself is key to avoiding delays
- Tips:
- Get the necessary forms from the DMV
- Use physical mail—don’t rely on phone, email, or online portals
- Include stamps—most offices don’t keep them anymore
- What to do if the car was charged off or written off:
- You can still prepare and send the documents
- Lenders will usually sign if it’s a verified charge-off
- Alternative solutions like using a magistrate title
- Why doing all the work yourself is often the only way to get results
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