# riddle me this..... car title/lien issue
**URL:** https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565
**Category:** NYSpeed Automotive
**Created:** [November 25, 2009, 4:47pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565 "2009-11-25T16:47:34Z")
**Posts on this page:** 20
**Page:** 1
### Author:  [@Scott](https://forums.speedlife.net/u/Scott)
#### Post date: [November 25, 2009, 4:47pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/1 "2009-11-25T16:47:34Z")
Being the baller I am, Ive only paid cash, no loans, for all my vehicles. And as it looks, I sold my Range tonight. I take a gander at my title and there is a lien on it from M&T, which I did not use, nor have I ever used.
So, long story short. Can I take my title to an m&t, ask for a lien release, or do I go to the dmv and try and sort stuff out.
No lien was ever used, I didnt get one when I bought it, I titled and registered it fine, and when it came in the mail, I didnt even look, just sorted it with my files.
Someone else’s $.02 would be sweet
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### Author:  [@Onyx\_Z32](https://forums.speedlife.net/u/Onyx_Z32)
#### Post date: [November 25, 2009, 4:51pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/2 "2009-11-25T16:51:17Z")
When you bought the truck, did you look at the title to see if there was a lien on it?
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### Author:  [@travisn](https://forums.speedlife.net/u/travisn)
#### Post date: [November 25, 2009, 4:52pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/3 "2009-11-25T16:52:20Z")
yes, m&t will give you a lien release IF the previous owner doesnt owe them any money.
and +1 to you for on buying in cash. but I hope you have other things that are building your credit…
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### Author:  [@Jam](https://forums.speedlife.net/u/Jam)
#### Post date: [November 25, 2009, 4:56pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/4 "2009-11-25T16:56:21Z")
just go to m&t and ask them
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### Author:  [@travisn](https://forums.speedlife.net/u/travisn)
#### Post date: [November 25, 2009, 4:58pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/5 "2009-11-25T16:58:10Z")
> [@Jam](#):
>
> just go to m&t and ask them
nyspeed\>m&t. duh
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### Author:  [@laymone](https://forums.speedlife.net/u/laymone)
#### Post date: [November 25, 2009, 4:58pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/6 "2009-11-25T16:58:52Z")
the next owner can still reg the car as you did. i did the same thing but i knew there was a lien on the title. as long as theres no money owed. best bet is to go to the bank and ask for a lean release
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### Author:  [@Scott](https://forums.speedlife.net/u/Scott)
#### Post date: [November 25, 2009, 5:00pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/7 "2009-11-25T17:00:30Z")
> [@Onyx Z32](#):
>
> When you bought the truck, did you look at the title to see if there was a lien on it?
Its hard to remember on my end, but, Im fairly certain the dmv would have caught that.
I feel like im in some sort of loophole.
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### Author:  [@travisn](https://forums.speedlife.net/u/travisn)
#### Post date: [November 25, 2009, 5:02pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/8 "2009-11-25T17:02:01Z")
> [@Scott](#):
>
> Its hard to remember on my end, but, Im fairly certain the dmv would have caught that.
>
> I feel like im in some sort of loophole.
you can buy/sell a vehicle with a lien on it. the dmv doesnt care, they just transfer the lien onto the new title.
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### Author:  [@Scott](https://forums.speedlife.net/u/Scott)
#### Post date: [November 25, 2009, 5:02pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/9 "2009-11-25T17:02:27Z")
> [@travisn](#):
>
> yes, m&t will give you a lien release IF the previous owner doesnt owe them any money.
>
> and +1 to you for on buying in cash. but **I hope you have other things that are building your credit…**
a 3500 sq home
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### Author:  [@Scott](https://forums.speedlife.net/u/Scott)
#### Post date: [November 25, 2009, 5:04pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/10 "2009-11-25T17:04:09Z")
> [@travisn](#):
>
> you can buy/sell a vehicle with a lien on it. the dmv doesnt care, they just transfer the lien onto the new title.
now that scares me
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### Author:  [@Karter](https://forums.speedlife.net/u/Karter)
#### Post date: [November 25, 2009, 5:13pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/11 "2009-11-25T17:13:12Z")
I’ve dealt with it. I had to fax front and back of my title to the branch the lien was from, anwser a bunch of questions per phone, and they mailed me a release. Then the car became a race car, total waste of time haha.
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### Author:  [@reliant\_turbo](https://forums.speedlife.net/u/reliant_turbo)
#### Post date: [November 25, 2009, 5:14pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/12 "2009-11-25T17:14:18Z")
> [@travisn](#):
>
> but I hope you have other things that are building your credit…
if you have the cash to buy vehicles/other stuff without credit, what do you need to worry about keeping up a credit score?
all a credit score is, is a debt score.
Brian
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### Author:  [@travisn](https://forums.speedlife.net/u/travisn)
#### Post date: [November 25, 2009, 5:18pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/13 "2009-11-25T17:18:02Z")
because idk about you, but I dont want to save up 100k+ to buy a house outright.
plus car insurance is sometimes based off of credit, some landlords/employers check credit and im sure a few other things go off your credit too.
even financially savvy people utilize credit. buying something at zero percent interest for x number of months allows you to use that money to earn interest in an investment else where. or simply having a credit card on reserve just incase, never a bad thing.
credit is good for those who can manage it.
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### Author:  [@Hass](https://forums.speedlife.net/u/Hass)
#### Post date: [November 25, 2009, 5:24pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/14 "2009-11-25T17:24:12Z")
> [@travisn](#):
>
> plus **car insurance** is sometimes based off of credit, some landlords/employers check credit and im sure a few other things go off your credit too.
and jobs check it too.
More so higher ones… Where you actually have to work to get to that position, only to be denied by a poor credit choice 5 years ago :S
Ouch.
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### Author:  [@Joe](https://forums.speedlife.net/u/Joe)
#### Post date: [November 25, 2009, 5:33pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/15 "2009-11-25T17:33:20Z")
> [@reliant\_turbo](#):
>
> if you have the cash to buy vehicles/other stuff without credit, what do you need to worry about keeping up a credit score?
>
> all a credit score is, is a debt score.
>
> Brian
opportunity cost. Why have hundreds of thousands sitting in owning a home outright when you can pay 4.x% on it and tax-deduct the interest?
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### Author:  [@travisn](https://forums.speedlife.net/u/travisn)
#### Post date: [November 25, 2009, 5:44pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/16 "2009-11-25T17:44:08Z")
some rich people have mortgages just to have somewhere to spend their money; they can deduct the interest, as joe said, and typically over the long run houses appreciate in value.
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### Author:  [@reliant\_turbo](https://forums.speedlife.net/u/reliant_turbo)
#### Post date: [November 26, 2009, 12:47pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/17 "2009-11-26T12:47:33Z")
i didnt mean houses. just most everything else other than houses.
brian
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### Author:  [@66impalass](https://forums.speedlife.net/u/66impalass)
#### Post date: [November 26, 2009, 12:53pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/18 "2009-11-26T12:53:42Z")
because insurance is based partially on credit scores, as well as many other things
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### Author:  [@reliant\_turbo](https://forums.speedlife.net/u/reliant_turbo)
#### Post date: [November 26, 2009, 1:02pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/19 "2009-11-26T13:02:33Z")
the benefits of paying cash for everything far outweigh the negatives.
ill be completely debt free in few years including my mortgage and i sure as hell wont be going back.
Brian
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### Author:  [@Scott](https://forums.speedlife.net/u/Scott)
#### Post date: [November 26, 2009, 1:19pm UTC](https://forums.speedlife.net/t/riddle-me-this-car-title-lien-issue/76565/20 "2009-11-26T13:19:27Z")
spoke to the previous owner, bought it from land rover amherst and financed through them, and was paid off in 3 years - no M&T at all.
Must be a dmv mixup.
bitches
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