Consumer Title Resource | Since 2009!

Lien Release For Car Title

When you’re dealing with a vehicle that has a lien holder listed on its title record, obtaining a lien release becomes essential. Without it, the title won’t be released by the DMV. However, several complications can arise, such as the lien holder being out of business or the car not being fully paid off.

Dealing with a Defunct Lien Holder
The process can be complicated if the lien holder is bankrupt. Hence, one need to establish where the assets were transferred to. In fact, this is a necessary step before following the lien release documents.

Unpaid Balances
Several options including lien mitigation are available for situations where full payment has not been made on a car. This means that you can negotiate with the lien holder to have the amount reduced thus making it manageable. In short, this helps in releasing the lien.

Navigating Title Pawns
For vehicles under title pawn arrangements, the situation might be different. Sometimes, these loans aren’t even recorded on the title. This scenario could potentially open up the possibility of obtaining a duplicate title.

Alternative Solutions
There are alternatives when all attempts to find the hold come to naught. One of them may involve asking for a non-interest letter from the bank listed on your title deed. It acts as a lien release substitute. Moreover, presenting settlement papers showing that your loan was fully paid off on particular date might be acceptable to the DMV.

Exploring Last Resort Options
If all else fails, a court-ordered title might be the last resort. This typically occurs when dealing with car title loans older than ten years. While it’s a more involved process, it can provide a solution when other avenues have been exhausted.

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