Unlocking Your Car Title: How to Get a Lien Release Fast

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Episode Highlights: 
  • Why is there still a lien on your title?
    • You may have paid off your car loan, but the bank might not have filed a lien release.
    • Banks often avoid filing the release due to labor and filing fees.
    • Even for charge-offs or write-offs, banks typically don’t spend money filing a release.
  • What happens when you request a lien release?
    • Simply calling the lender won’t work—phone agents lack the authority.
    • Releasing a lien requires specific forms and manual processing.
    • No bank employee is eager to find the right forms, fill them out, and mail them.
  • How to properly request a lien release:
    • Step 1: Get the lien release form for your state.
    • Step 2: Prepare additional documents, such as a letter of non-interest and an affidavit of fact.
    • Step 3: Mail all documents to the lienholder (not email).
    • Step 4: Include a pre-addressed return envelope with a stamp to make it easier for them.
  • Increase your chances of success:
    • Sending the request by mail improves your chances to nearly 100% if the loan is paid off.
    • Even for charge-offs, there’s an 80-85% success rate.
    • If the bank doesn’t respond, you can use your written request as leverage to get the court clerk or magistrate to sign a release.
  • Pro Tip:
    • Send copies of your request to multiple locations (main office, branch, etc.) to improve your chances of getting a response.
Additional Resources:
  • Visit actualhum.com or describe.tv for more details, checklists, and downloadable forms.
  • Live one-on-one consultations available for title issues, real estate records, business development, and more.
Got questions? Drop them in the comments or check out our expert consultation services. Thanks for listening!
Unlocking Your Car Title: How to Get a Lien Release Fast
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