Lien Release for Car Title

So how do you get a lien release for a vehicle title if you have a car that needs to get a title and there’s a lien holder showing on that title record with the DMV? The title normally won’t be released until you have that lien cleared from the title records.

Complications in Clearing a Lien
Some of the complications could be if the lien holder is out of business or if the car’s not fully paid off, or if it’s an automax-type car title loan. In those cases, you have to go through a certain process.

Dealing with Out of Business Lien Holders
If the lien holder is out of business, you have to find out where they transferred their assets to.

Dealing with Unpaid Vehicles
If the car is not paid off, you might want to do a lien mitigation to have the lien discounted to an amount that’s palatable.

Title Pawn Loans
If it’s a title pawn, you may find that the loan’s not even recorded on the title, so there might be a duplicate title possible.

Trouble Finding the Lien Holder
In other cases, if there’s any trouble finding the lien holder or finding where they are, you can maybe get a letter of no interest from the bank listed on the title, which will be the same as a lien release.

Providing Payoff Documents
Sometimes, if you have payoff documents from the bank showing that it was paid off on a certain day, the DMV may accept them.

Court-Ordered Title as a Last Resort
A court-ordered title is your last resort, but if the car title loan is more than ten years old, sometimes a court-ordered title may be the way to go.

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