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Make edits, fill in missing information, and update formatting in US Legal Forms—just like you would in MS Word.

Download a copy, print it, send it by email, or mail it via USPS—whatever works best for your next step.

Sign and collect signatures with our SignNow integration. Send to multiple recipients, set reminders, and more. Go Premium to unlock E-Sign.

If this form requires notarization, complete it online through a secure video call—no need to meet a notary in person or wait for an appointment.

We protect your documents and personal data by following strict security and privacy standards.
It is because you knew or should have known that the lien cancellation was in error since you just purchased the vehicle 6 months ago and certainly the loan terms were longer than 6 months. If they find their error, they can legally pursue you for the remaining funds you owe.
What Happens If the Repo Agent Doesn't Find Your Car? But if you make it hard for the repo agent to get it, then the creditor may use another method to get the car back, called "replevin." Replevin can be just as costly as a repossession, if not more so.
Trying to reinstate or redeem your auto loan typically has to happen within a short time period, such as about two weeks, so you could have your car back soon after it's repossessed. You may have to wait longer, perhaps several months, if the car is sold at auction due to the time of the auction process.
Send an Application for a Duplicate Certificate of Title (PDF) (MV-902) and the original proof that indicates that the lien is satisfied to the address above, or bring them to a DMV office. The DMV processes a duplicate title certificate that does not list the lien and mails the certificate to you.
This request can be made through the DMV or directly to the lender. Visit or contact the DMV and verify that they received the loan satisfaction documents and any liens are removed from the vehicle's title.
If there truly is no one with the legal authority to release the lien, then the remedy lies with the court. The property owner will need to file a lawsuit to quiet title. There are unique challenges involved with suing a defunct entity, but an experienced real estate attorney will be able to navigate those challenges.
This request can be made through the DMV or directly to the lender. Visit or contact the DMV and verify that they received the loan satisfaction documents and any liens are removed from the vehicle's title. A new title will be provided or issued to you at this time.
Legally, the only states that mandate the notarization of lien waivers are Mississippi and Wyoming. Texas previously required notarization, but that hasn't been the case since 2022.