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PLEASE NOTE: When you sell a vehicle, you do not need to remove a lien from the certificate of title. You can give the original title and the original lien release to the buyer.
Car titles change hands when the vehicle is bought or sold from one party to another. States title requirements vary. The New Jersey Motor Vehicle Commission (MVC) handles car title transfers and registration. When you buy a used car in New Jersey, the seller of the vehicle must provide you with the cars title.
A lien is a claim on property to ensure payment of a debt. When you borrow money to purchase a car, the lender files a lien on the vehicle with the state to insure that if the loan defaults, the lender can take the car. When the debt is fully repaid, a release of the lien is provided by the lender.
Once youve paid off your loan, your lien should be satisfied and the lien holder should send you the title or a release document in a reasonable amount of time.
Car titles change hands when the vehicle is bought or sold from one party to another. States title requirements vary. The New Jersey Motor Vehicle Commission (MVC) handles car title transfers and registration. When you buy a used car in New Jersey, the seller of the vehicle must provide you with the cars title.
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A lien is a claim on property to ensure payment of a debt. When you borrow money to purchase a car, the lender files a lien on the vehicle with the state to insure that if the loan defaults, the lender can take the car. When the debt is fully repaid, a release of the lien is provided by the lender.
You can call the MVCs Business License Services unit at 609-292-6500 ext. 5014 to check the status. Complete the Universal Title Application (form OS/SS-UTA) available online and at motor vehicle agencies.
o If the lienholder is an individual, a notice of release (lien release section of DOR-4809) must be completed, signed, and docHubd. An estate executor may release the lien by submitting the above with an original or certified copy of the probate court order. information is legible.
Complete a Universal Title Application (form OS/SS-UTA). Provide the New Jersey title. Pay the $85 fee. The MVC accepts American Express card, Visa card, MasterCard, Discover card, checks, money orders and cash.
That title will have both your name and the name of the lender on it. If you live in a title-holding state, you will be responsible for getting the new title once you pay off the loan and get your lien release. In a non-title-holding state, the lender keeps the title for the entire duration of your vehicle loan.

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