Here's why:
* Lien means ownership isn't fully yours: A lien means that a lender (like a bank or finance company) has a legal claim to the car. They have a financial stake in it until the loan is repaid.
* Title is proof of ownership: The car title is a legal document that proves you are the sole owner of the vehicle.
* Lienholder must release the lien: To get the title in your name, the lienholder needs to release the lien. This typically happens when you pay off the loan in full.
What you can do:
* Negotiate with the lienholder: You can try to negotiate with the lienholder to get the title transferred to your name. This is more likely if you are close to paying off the loan.
* Obtain a lien release: Once the lien is paid off, the lienholder will issue a lien release document. You'll need this to get a new title in your name.
* Work with the DMV: The DMV will process the title transfer once you have the lien release document and the proper paperwork.
Important note: It's essential to be transparent with the lienholder and follow the proper legal procedures when dealing with a car with a lien.
