My husband bought a car from a family member the car has a lean against it?

Question

the car has a lean aganist how can we get the title its been about 4 years since they put the loan aganist it how can we get a title or how can we get tags and insurance

Answer 1

The only way that the lien can be released would be for someone to pay the total amount owed to the lienholder. Until the lien is paid off, there is no way for your husband to get the title.

When your husband purchased the car, he should have insisted that the money go toward the loan and should have received the title back then.

Answer 2

It's a lien, not a lean. So what you did is buy a vehicle without a clear title. Have the family member contact the bank. If the loan is paid off they will need to get a lien release and get clear title, which they will then sign over to your husband. With that he can get title in his name and take care of the tags and insurance. Don't drive without insurance unless you want a high priced ticket to pay.

Answer 3

First go to your states department of motor vehicles, that is, which ever department in your state that issues the titles to vehicles. Take the bill of sale and registration paper work with you and start the process of transferring title. You will have to have PROOF that the lien has been paid. This will give you the name and mailing address of the lien holder

Second, send a certified letter with return receipt, to the lien holder requesting release of lien. They will probably not respond. About three weeks later send a second request request to the lien holder, again certified with return receipt. They will most likely not respond again. Title departments are notorious for not responding to any letters of any kind. If the lien holder does not respond the go back to the DMV and ask for them to send a letter to the lien holder. It is a "notice of intent to vacate lien" that you will want to have them send. Of course there will be a fee. If your state does not have that process then you will have to go to the courts and have it vacated that way in other words you will have to sue the lien holder.

Once you have won the action against the lien holder then it is back to the DMV for transfering the title.

If the lien has a balance on it and you do not have proof that it was paid then you may also have to pay the lien. The lien could be from a bank or loan company or it could be from a mechanic that did work on the vehicle.

I need to repeat, All of this is based on the fact that you have all of the supporting paper work and PROOF the lien is paid. If you do not have any of the paper work GET IT!!.

Also, if the vehicle has not been registered be prepared to pay the back registration fees and penalties.

It is a pain in the you know where. Enjoy your adventure.

Answer 4

The family member needs to contact the bank (loaning institution) and have the lean released. There is nothing you can do, the lean is against them. We are having the same problem, with a vehicle we have had for 3+ years. We cannot get the title changed to us.

But we do get the tags every year. Just go up to the tax office before the tags are out and purchase new ones. And we tell the insurance company that it is in our name, they never verified I guess. So it is always tagged, inspected and insured.

Good luck.

Answer 5

The lien holder is still the legal owner, not you. You have to have the lien holder sign off on the title and they will probably want to be paid off.

Remember you do NOT own this car so be careful what you do with it. If you try to re-title it in another state you could be charged with theft.

Answer 6

The lein means it can't be sold until that party has been paid . . . so, if he gave money to someone for it, that was nice, but he'll have to pay off the lein in order to get the title. He needs the title in order to transfer ownership to himself, and get the tags.

Answer 7

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