mickey_jewelz t1_iy1zuxp wrote on November 28, 2022 at 3:22 AM

You may have to go to NJ MVC to get the listed lien removed from the title. To get a clean title only in your name.

EndlessErrands0002 OP t1_iy24pcg wrote on November 28, 2022 at 4:02 AM

that's what I'm confused about. The title certificate is signed off by the Motor Vehicle Comission saying it ceritifies "evidence of ownership", so doesn't that mean that the lien was removed from the title?

Illustrious_Drink127 t1_iy2ltpi wrote on November 28, 2022 at 7:06 AM

Yes the lien was removed. If it is signed on the front bottom right hand corner saying "lien released" with a signature you're good to go. If you decided to sell the car you would need the title and attach the original lien release letter by the bank. The letter isint 100% necessary if the title is signed or stamped paid for but is necessary if it isint.

Congratulations

JimTheJerseyGuy t1_iy316u5 wrote on November 28, 2022 at 10:50 AM

FWIW, my parents had this happen to them with a car they that bought in 1999, paid off in 2004, and kept until 2018.

Despite having a title that was clearly marked as having the lien released, the MVC had no record of it being paid off. Made a hash out of what should have been a no-brainer transfer of an essentially worthless vehicle.

It might be worth a check with them to insure that all the paperwork processed correctly.

EndlessErrands0002 OP t1_iy3hqop wrote on November 28, 2022 at 1:52 PM

>FWIW, my parents had this happen to them with a car they that bought in 1999, paid off in 2004, and kept until 2018.Despite having a title that was clearly marked as having the lien released, the MVC had no record of it being paid off. Made a hash out of what should have been a no-brainer transfer of an essentially worthless vehicle.It might be worth a check with them to insure that all the paperwork processed correctly.

got it. I'll check into it, thank you.

mcgeggy t1_iy3ej0p wrote on November 28, 2022 at 1:23 PM

Make sure the original lien holder name matches exactly to the name on the release stamp. Often banks merge, change names, get bought, etc. during the time the vehicle is being paid off. If they don’t match MVC might catch it and not do a title transfer to the next buyer when you sell it (or make them produce a bank letter showing the name change). If everything matches there shouldn’t be a problem.