How to Remove a Lien From a Title in Texas
These days, nearly everyone has to have a car to get from home to work. Unless you live in a very crowded city and use public transport, odds are you rely on your vehicle to get you from point A to point B on a daily basis. You might love driving, but the reality is that cars are expensive - and situations like title liens are rarely explained to you in full before taking on the financial responsibility.
Do you need to learn how to remove the lien from a Texas title? Read on if you want to tackle the process of removing a lien from a title in Texas without hassle - and without spending hours at your local DMV. If you want to simplify the process of removing a lien from a Texas title, DoNotPay can help.
What Is a Title Lien?
A title lien on a car essentially acts as an insurance policy for creditors, allowing the lender to repossess the car if you default on your payments. In many cases, once the loan on your vehicle has been paid in full, the lender will sign the title over to you, signifying that they have released the lien. However, several other instances would allow you to remove the lien from a car title.
Why Would You Want to Remove a Lien From a Car Title?
Removing a lien from your car's title is important in case you want to sell your car. Here are some things to know about removing a car title lien:
- If you owe money on a car, it is still tied to the lender and might be considered as not yours to sell. This could be problematic if you need to sell your vehicle.
- If you do sell your car that has a lien, the lender typically has the first right to the money you make on the sale.
- It is possible to get a lien removed from a title in Texas on your own.
If you want to tackle removing a Texas title lien on your own, here's what you need to do.
How to Remove a Lien From a Title on Your Own
In general, going through the DMV is the best way to get a lien removed from a title, although you can also get a lien removed by fully paying off the debt that you owe on the car. Here's how to remove a lien on your own:
1. Visit Your Local Texas DMV
According to the official Texas DMV website, if you want to remove a lien recorded on a paper title, you will need to visit your local DMV and bring with you the following items: the vehicle title, a release of lien letter, and a completed Application for Texas Title and/or Registration form. You can contact DMV here:
|DMV Texas||Official Texas DMV website|
|Application for Texas Title and/or Registration||Form|
|DMV Texas Phone Number||1 (888) 368-4689
1 (888) DMV-GOTX
|Business Hours||Mon to Fri, 8 AM-5 PM (Central Time)|
2. Submit the Appropriate Paperwork
Ensure that all the information is properly filled out before you submit the paperwork at the DMV. According to the Texas DMV website, the lienholder has 10 business days after receipt of payment to release the lien, once the lien on a vehicle has been paid off. If the lien was recorded electronically, the lienholder will normally coordinate with the DMV to remove the lien from the records - but there's no harm in initiating the process on your own.
Use Donotpay to Learn About Removing a Title Lien
DoNotPay can amass relevant information to your lien situation and send a letter to the creditor requesting a renegotiation of the terms of your debt based on your needs. DoNotPay can also fill out a Release of Lien form and send it to your creditor to sign, allowing you to get the lien off your record and out of mind once you renegotiate your debt. DoNotPay makes it easy to tackle lien issues without the stress and frustration of doing it on your own! Visiting the DMV can easily take hours out of your day - and that's time that you might not have to burn.
- 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.
That's all you have to do. DoNotPay takes care of the rest, walking you through the process and helping you determine the best course of action for your particular situation.
Other Ways DoNotPay Can Help
Do you have other questions about liens in Texas? Whatever your concern, DoNotPay can make things a bit easier. Here are other ways that DoNotPay can help:
- How do I find out if I have a lien against me?
- Tax lien on a credit report.
- How to remove a state tax lien from public record.
- How to remove a lien on the property.
- How to fill out lien release forms.
- Learn about selling a car with a lien.
- Is there a lien on my house?
Solving this problem is just one of many things DoNotPay can help you with. Try some other services today: