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Michigan vehicle title

R

rrlund

Well-known Member
Somebody help me remember. After a certain amount of time,a lean on a title is automatically cleared without having to get a release from the bank doesn't it?
I've got a couple of guys interested in that 85 Ford that I've had for almost 26 years. I found the title today,but there's a bank lean listed on it. That thing's been paid off for well over 20 years. I'm sure they sent me a release,but God only knows where that went.
 
If the bank is still in business they should give you a letter stating it is clear.

If not, the DMV will have to research it, may take some time and fees.
 
I just pulled the ad. To heck with it. I'll go to the bank and get it cleared and take it to the scrapper when I get time. No sense somebody coming a long ways to look at it when the title isn't clear anyway. The scrap yard told me those two old pickups would bring me $400-450. If all else fails,they'll take vehicles without a title if they're cut in half.
 
Pretty sure it is like 7 years? I sold a vehicle a few months ago with the same issue, went to the Credit Union where the lein had been and they made out a letter saying it was paid off. Took them only a couple minutes no charge.
 
Ya,I was thinking it was something like 7 or 10 years too. I need to go to the bank Thursday. I'll take it along and find out.
 
I bought an old IHC scout one time and I even got the title. Problem was Ohio title was not marked as paid off. You usually only get a copy of a title until it is paid then you get the original back. I had to go back to the town I got it from and go to the bank and get them to mark it correctly before I could get it transfer to my name. I doubt they expire by time otherwise no one would ever bother to pay them off.
 
They'd pay them off or they'd get repossessed.
I bought something one time and didn't know there was a lien on the title. I just can't remember what it was,a livestock trailer maybe. When I went to the Secretary of State's office,the gal said Oh Oh. She went in back for a minute and when she came back,she told me I was in luck. There was a lien on it,but it had been long enough by a few months that it was considered released. I was thinking it was 10 years,but Paul could very well be right in thinking it's 7.
 
States can be different: was thinking of trading the wife's 05 Escape recently. In Ky the owner holds the title (not the lending institutions) . When I got it out of the safe: I saw I had not had the DMV release the lein. Went to the bank where it was financed : they could not find any record of the loan so gave me a lien release then and there. Very simple process.
 
Sold it. A local guy stopped on his way home from work and looked at it yesterday. He stopped back about 45 minutes ago and said he'd take it. I'll take the title to the bank and get it cleared.
 
If it's like MN it will take 4-6 months for the DMV to do anything. The local Bait catcher bought a 2004 Chev PU from the state on MINNBID. I haven't talked to him since before X-Mas, but he was on his 5th 30 day permit. The state lost the title for the state owned truck at that point the lady said she thinks the title got sent with the wrong vehicle and they couldn't find it. Meanwhile he couldn't use the truck because he needed to have the title to register it as a business vehicle with the state.
 
I never heard that time was a factor in a release of a lean. I guess I never had to deal with that as a resident of Mi. It would be good to know though if that's the deal. I keep a file on everything I own that would have title. I also include my tractors which are not titled but have had liens on them when they were purchased new. I make sure I get a release of lien after I pay something off and file it with the title. I just got a letter from Kubota Credit on a release on a 2012 tractor I paid off. Although I did have to contact them to remind them to do so.
 
Seems he could take the state to court, if they advertised it with a clean title they're obligated to come up with a title, if he'd paid for it with a credit card he could get his money from the card company and they'd deal with the state.
 
Ohio it is till you can get a different title from the DMV and it has to be recorded that the lean has been paid off before you can get that title. even if it is 50 years.
 
In Iowa the lien is on there for ever unless you get it released. I think most states are that way on car, truck, boat loans. Farm equipment that is under a UCC is different in that it has to be updated every five years or it lapses. This maybe what your thinking of.

The easiest way is to contact the lender that is shown on the lien. Even if they no longer have the original paper work they can easily check and make sure you no longer have a loan and they can give you a new release.

I have ran into this on several pieces of farm equipment in the past. In both the times I was involved it just took some leg work as the items had been paid off.

My brother ran into a boat lien that had not been paid off even after over 15 years in the past. He was given a bunch of old campers, boats, RVs and etc. that were setting on this abandoned piece of ground. He got paid so much and what ever he could get out of the "stuff" on the ground. There was a real nice fiberglass inboard boat on a trailer in shed. It had a 4.3 V-6 motor and ran real nice and just need the upholstery redone. He could not get a clear title to that boat. The person that took the loan out was dead and the lender would not sign the debt off. They did not try to collect it or even want the boat but they would not sign off.

So I would just try getting the original lender to get you a lien release. That would be the easiest.
 
Here in New York you send the 'satisfaction of lien' letter in with the title and get a new title with no lienholder listed; or to transfer it to a new owner.
 
At those prices I'd use them as an on farm driveway snowplow truck.
No title needed for that in our area. Not true in other areas.
 
(quoted from post at 20:16:17 03/14/17) At those prices I'd use them as an on farm driveway snowplow truck.
No title needed for that in our area. Not true in other areas.
Click to expand...

Seriously?? Are there really areas where you cannot use an unlicensed, untitled truck in your own driveway?
 
(quoted from post at 00:02:28 03/15/17)
(quoted from post at 20:16:17 03/14/17) At those prices I'd use them as an on farm driveway snowplow truck.
No title needed for that in our area. Not true in other areas.
Click to expand...

Seriously?? Are there really areas where you cannot use an unlicensed, untitled truck in your own driveway?
Click to expand...
Yes. Some places require insurance and license plates just to
set in the yard. Even if they don't run.
 
Oslander DMV don't know. I deal with this every day, when people pay off a vehicle in Iowa they are supposed to take the title to the county treasurer and have the lien released at the county level. Most don't, then in 10 years they come back bellyaching about dealership not releasing the lien and wanting us to pay for a new title. Most times I just give them a lien release form along with a copy of the old title and send them back to the treasures office.
 
(quoted from post at 21:09:29 03/14/17)
(quoted from post at 00:02:28 03/15/17)
(quoted from post at 20:16:17 03/14/17) At those prices I'd use them as an on farm driveway snowplow truck.
No title needed for that in our area. Not true in other areas.
Click to expand...

Seriously?? Are there really areas where you cannot use an unlicensed, untitled truck in your own driveway?
Click to expand...
Yes. Some places require insurance and license plates just to
set in the yard. Even if they don't run.
Click to expand...

That's nuts! Glad MN isn't one of those states! (at least not to my knowledge)
 
Your best bet will be to get a replacement lien release letter from the lender. The last time I sold a vehicle, I had the lender sign off the release on the title, but the Secretary of State refused to accept it and I had to get a payoff letter. It was pretty easy; I placed a call to the credit union and they faxed a letter to SoS about 30 minutes later.
 
(quoted from post at 00:09:29 03/15/17)
(quoted from post at 00:02:28 03/15/17)
(quoted from post at 20:16:17 03/14/17) At those prices I'd use them as an on farm driveway snowplow truck.
No title needed for that in our area. Not true in other areas.
Click to expand...

Seriously?? Are there really areas where you cannot use an unlicensed, untitled truck in your own driveway?
Click to expand...
Yes. Some places require insurance and license plates just to
set in the yard. Even if they don't run.
Click to expand...

Seem to recall that a guy (here in Michigan) didn't like a neighbor having a car in the driveway with a flat tire. Called the cops and they ticketed the car. Said if it's registered and runs, it must be road worthy. If it doesn't run, it's "junk" and subject to blight ordinance :roll:
 
If someone sticks it in a barn someplace how will they find it and repossess it ? especially if they would pass away in the mean time ?
 

Sounds like a bunch of BS to me unless it is some sort of local township reg. I've been in living in northern Michigan fulltime for 4 years
now. I have never seen such ratty cars,trucks and trailers and headlights not working. In central New York, where I lived previously for 40
years, there was an annual motor-vehicle inspection. None here. Also, trailers get lifetime license-plates. No mandated insurance here
either to pay you if someone else piles into you and destroys your car or truck. By the way, I've had a 1937 IH farm-truck with no wheels at
all on it, sitting along the road by my house for a long time. Far as I can tell, maybe 50 years and was part of the farm at one time. No
tickets to me yet. It even made it onto a page of a classic truck magazine as "abandoned truck of the month." On the right in this photo,
kind of sunk in the mud.
a154291.jpg
 

Home owner's associations can have restrictions like that, especially in upscale (high priced) neighborhoods. Every homeowner in the association agreed to the restrictions. When properties change hands all new buyers sign the same agreements, but some don't really understand what they signed until they start getting violation notices.
 
Every year, our Michigan township sends a flyer with reminders of some of the ordinances often overlooked- rummage sale permits and limits, sidewalk shoveling, and cars that are parked outside must be registered and insured. I assume that is to keep the annual costs high enough that folks would get rid of those that truly don't run. One neighbor had to build a fence to conceal the vehicles he keeps on site for rebuild/repair in his home shop. The only one to get away with exposed, abandoned vehicles is the lazy POS next to me, who, somehow, manages to keep a job as a jail guard for the Sheriff's department. He has four that I can see from the window, including a 1970's-era Dodge pickup at his Mom's place next door that I inquired about when looking for my first car, IN 1981!
 
(quoted from post at 06:48:25 03/15/17)
Home owner's associations can have restrictions like that, especially in upscale (high priced) neighborhoods. Every homeowner in the association agreed to the restrictions. When properties change hands all new buyers sign the same agreements, but some don't really understand what they signed until they start getting violation notices.
Click to expand...

Yes, this is what I'm thinking is behind everything. Most urban areas have regulations about your grass getting too tall. I can sort of understand the need for such regulation in town, but certainly not out in the country. ...But then I suppose many farms that used to be out in the country are now part of town.
 
(quoted from post at 12:10:50 03/15/17)
(quoted from post at 06:48:25 03/15/17)
Home owner's associations can have restrictions like that, especially in upscale (high priced) neighborhoods. Every homeowner in the association agreed to the restrictions. When properties change hands all new buyers sign the same agreements, but some don't really understand what they signed until they start getting violation notices.
Click to expand...

Yes, this is what I'm thinking is behind everything. Most urban areas have regulations about your grass getting too tall. I can sort of understand the need for such regulation in town, but certainly not out in the country. ...But then I suppose many farms that used to be out in the country are now part of town.
Click to expand...

Our HOA has restrictions against parking RV's, boats, etc on the lot AT ALL. Township ordinance is that the RV,boat must be parked rearward of the front line of the house. When I was prez of the HOA, had numerous discussions with people who violated the HOA restrictions and neighbors complained. They cited twp ordinance, I cited HOA restrictions. Never an easy discussion. BTW, rural twp where I own property has a "blight" ordinance but it exempts larger acreage.
 
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