How To Get Your Car Title From the Lienholder (Paid Off or Charged Off)

The Expert Podcast

🔑 In This Episode:

• What a vehicle lien release is and why it's important
• What happens to your vehicle title after you've paid off your car loan
• Why your lender holds the title during the loan period
• Common issues people face after loan payoff:
  • Title lost in the mail
  • Lender fails to send the title
  • Lien still recorded in DMV database
• Why you can’t just ask the lender to send another title
• The solution: Request a lien release form
• How to get a lien release if:
  • The bank won't respond
  • They say they already sent it
  • You can’t find a real person to help you
• Why most lenders don’t have a dedicated lien release department
• The most effective method to get your lien release:
  • Prepare all the necessary documents yourself
  • Include a lien release form, letter of non-interest, and declaration of facts
  • Mail the complete package to the lender
  • Include a stamped return envelope to make it easy for them
• What to do after you receive your lien release:
  • Bring it to the DMV to get your new title
  • Or mail it to the DMV with completed forms
• Why preparing everything yourself is key to avoiding delays
• Tips:
  • Get the necessary forms from the DMV
  • Use physical mail—don’t rely on phone, email, or online portals
  • Include stamps—most offices don’t keep them anymore
• What to do if the car was charged off or written off:
  • You can still prepare and send the documents
  • Lenders will usually sign if it’s a verified charge-off
• Alternative solutions like using a magistrate title
• Why doing all the work yourself is often the only way to get results

📌 Bonus Tip:
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