Obtaining your car title is important because it confirms your legal ownership of that vehicle. If you own your vehicle outright, meaning there are no liens against it, and no outstanding car loans, you will want to get the title transferred into your name and in your possession quickly. This document is required to register your car with the state, as well as to sell it later on. Generally, you also need this proof of ownership for car insurance. If you do still have a car payment, then you still want a copy of the title, which will reflect the lienholder’s information as well as your own.
Getting your vehicle title can be tricky, as there are several forms you need to fill out and return to the correct government department, as well as associated fees. You can do this on your own, but CarTitles.com can also work on your behalf, saving you time and frustration. If you decide to do this on your own, follow the steps below; if you decide you would rather let someone else navigate the process, we are here to help.
You will need to complete the necessary paperwork, including the following:
There are also several fees associated with the vehicle title recovery process:
In Michigan, you have 15 days to transfer the title after the vehicle is purchased; otherwise, a $15 late fee will apply. These fees are handled by your local Michigan Secretary of State (SOS) office.
To remove a lienholder from your vehicle title, you need the lender to file a lien release. Most lenders will utilize the Electronic Lien & Title program (ELT), in which case they will send the information electronically to the SOS office. You then need to request a paper title be sent to you. If your lender sends you a paper version of the lien release, then you will need to take that to your local SOS office to apply for the corrected (line-free) title. You can also mail the documents to the SOS office if you prefer. While there is no fee to remove a lienholder, there is still a fee to process the corrected title.
As you can see, there are several moving parts when it comes to obtaining, replacing, or transferring a vehicle title. Forms must be completed precisely, lienholders must do their part to release the lien, fees must be paid, and so on. Though you can do this on your own, with CarTitles.com, you don’t have to. We are experts at Michigan car title recovery. Let us alleviate the headaches so you can focus on what’s most important to you.
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