Repossessions

Titles and Salvage Vehicles

A repossession is when a lienholder seizes ownership of a vehicle for breach of a security agreement (usually non-payment of the loan).

Lien Recorded on Title

A lienholder who has repossessed a vehicle for breach of the security agreement can transfer the vehicle to a new owner. If the lienholder has a recorded lien on the Certificate of Title, he/she must provide the following items when transferring the vehicle directly to a new owner:

  • A notarized Affidavit of Repossession
  • A Lien Release letter or a Release on Title
  • The Certificate of Title assigned to the new owner

Lien NOT Recorded on Title

A lienholder who has repossessed a vehicle for breach of the security agreement without a lien recorded on the Certificate of Title must apply for a new title in the lienholder’s name. The lienholder must provide the following:

  • A notarized Affidavit of Repossession
  • A copy of the Security Agreement
  • A notarized Affidavit of Fact
  • An RMV-1 Form completed in the name of the lending institution
  • $75.00 title fee

When will I receive the title?

Please allow two (2) to four (4) weeks for the tile to be processed and mailed.

Additional Information:

Detailed policies, information, and instructions about Repossessions





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