How to Remove a Car Title Lien in Maryland
The process of can be complicated. If you need assistance, DoNotPay is there to help you out.
It is always such a relief to have paid off a car loan. Finally, the car is yours free and clear, and your credit score probably went up a few points as well. The only thing standing in the way of you doing anything further is getting the title transferred to your name.
Most financial institutions are good about releasing the lien and sending the required Maryland Notice of Security Interest Filing (SIF), or at least a statement on letterhead provided by the lienholder that states that the debt has been repaid.
In a perfect world, this would happen automatically every time, but there are occasions when the consumer is left with all the responsibility of getting it done. To remove a car title lien in Maryland, you need to procure a lien release letter from your creditor. It must follow specific requirements to be considered valid. Once you do have a valid lien release in addition to your certificate of title, you can apply for a clear title from the Maryland Department of Transportation Motor Vehicle Administration (MVA).
If you have trouble obtaining a valid lien release from your creditor, you can always turn to DoNotPay for assistance. They are standing by ready to help solve your lien removal on your property and state tax issues starting with a simple click of a button.
What Is a Car Title Lien?
A car title lien is standard when you finance the purchase of your vehicle. A car title lien is where the creditor has a lien on the title of your car until the loan is paid in full. Basically, you own your car along with your finance company. Only when the loan is paid off does the vehicle fully belong to you.
What Does a Notice of Transfer and Release of Liability Do?
A notice of transfer and release of liability are the key documents to a successful sale of a vehicle. When you sell your vehicle, you need to transfer the title from yourself to the buyer. The notice of transfer takes care of that. The release of a liability says that since the car no longer belongs to you, you cannot be held liable for anything that happens to that car. The buyer could drive down the street after buying the car from you and get into an accident and the liability for damages to the car would rest on the buyer because you released all liability for the vehicle to them.
After you have sold your car, you need to submit your notice of transfer and release of liability to your local MVA office. Only then, is the sale considered complete by the MVA. If you are selling your car as a private party, you will need to have these documents notarized at the time of the sale per Maryland laws.
How to Transfer Vehicle Title in Maryland
When you want to sell your vehicle to someone else, you will need to transfer your title to them. Here is what you need to transfer your vehicle title to Maryland.
- Have your title ready. The title must show the seller's name and have the seller's signature. The name of the purchaser along with their correct address is needed as well.
- Complete an MVA bill of sale form.
- If the vehicle's mileage does not appear on the title or cannot be recorded for some reason, you will need an odometer statement.
- Make sure you have a completed lien release form from your finance company or creditor if you haven't had a chance to apply for a new title yet.
- A safety inspection certificate dated no later than 90 days before the sale. In some Maryland counties, this will require an emissions certificate as well.
- The buyer needs to present proof of a valid Maryland auto insurance policy.
- Release of liability form. If this is a private sale where no car dealership is involved, the release of liability will need to be notarized.
- It is easiest if both the buyer and seller present this information to the MVA together to save time and ensure that everything is done properly.
How to Remove a Lienholder From Your Title in Maryland
To in the state of Maryland, you will need to:
- Pay off your loan.
- Request a release of liability from the finance company or individual creditor.
- Wait for the release of liability to come in the mail.
- Call the finance company back and request a release of liability again.
- Have a release of liability prepared and send or take it to the finance company to get their signature on it.
- When you finally have the release of liability complete with a signature from the finance company, take the release of liability form and your title to the MVA.
- MVA will certify that the lien release form is in order and remove the lienholder from your title.
- Fill out the application for a new title and give it to the MVA representative.
- Pay any fees that are requested by the MVA.
- The MVA representative will present you with a clear title in your name.
You can contact MVA here:
|MVA Clear Your Title Request||Request Page|
|MVA Title File Unit||6601 Ritchie Highway, NE
Glen Burnie, MD 21062
|MVA Customer Service Center:||1-410-768-7000|
|MVA Duplicate Title||Application Link|
Remove a Lien in Maryland With DoNotPay
If you are having trouble , let DoNotPay take over. If you need help removing a title lien in Maryland, DoNotPay is here to help. We will gather the relevant information necessary for a creditor to release their title lien for your vehicle. Next, we will prepare a release of liability form and send it to your finance company or creditor for signature. Once you receive the signed release form, you can take that form and your title to the MVA to apply for a clear title or to transfer your title to someone else.
For other types of liens, such as tax liens, DoNofPay can help you get information on whether you have a lien against you as well as help you remove it. These are the steps to take for help from DoNotPay:
- Search for remove my lien on DoNotPay.
- Start our Remove My Lien product.
- Answer some questions about your specific lien and let us help you craft a letter to your creditor to resolve the issue.
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What Else Can DoNotPay Do?
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