Charge off/auto titles

Submitted by johngreeney on Tue, 01/15/2008 - 00:09
Forums

how do i get the title for my car when finance company charged off final 4 payments

Hello John,

Welcome to the forum.

In my opinion talk to the finance company, try and make the last four payments to get anything going. Only when you have the car in possession the auto title will be signed over by the vendor and you have to take the title to the DMV (Department of Motor vehicles) and get it done in your name.

hope that others will come across and give better opinions.

Tue, 01/15/2008 - 09:39 Permalink

I presume, when you pay it off. A charge off means you haven't paid in 6+ months...it does not mean that the debt has been forgiven.

Fri, 01/18/2008 - 13:19 Permalink
KRISTINA36 (not verified)

I GOT A CAR FOR MY BROTHER IN 2006 AND HE ONLY PAID 4 CAR NOTES MY BROTHER IS IN JAIL AND HE SAID CAR WAS STOLEN HE DONT KNOW WHERE THE CAR IS AND ON MY CREDIT IT SAYS WRITTEN OFF CHARGED OFF 21,000 WHAT CAN I DO TO RESOLVE THIS SITUATION BECAUSE ITS IN MY NAME IM TRYING TO BUY A HOME

Fri, 04/18/2008 - 19:13 Permalink

You can pay it off, but that's about all you can do...your brother screwed you over. If the car was stolen, where is the insurance money...or did your brother
a) not have insurance, or
b) take the money and run?

Fri, 04/18/2008 - 21:51 Permalink

What a shame that your brother would put you in this situation, hopefully he will help you make the payments, they always say that family will give it to you first. I hope you get this all cleared up soon. Morningstar is right, you are totally responsible for this bill. Did you or your brother have insurance on the car? Did he file a police report? He should have no matter where he is. Goodluck, hope you get this resolved soon.

Sun, 04/20/2008 - 00:27 Permalink

Wow that is a nightmare but goodnatured is right...family usually screws ya first. Let us know how this situation is working for you.

Mon, 04/21/2008 - 01:15 Permalink
sykodawg (not verified)

Harley really tried putting it to me, and i paid my original debt, but they added more for late fees, attempt repo fees etc, i stopped paying! it has been charged off over a year with no word from a soul!!! what do i do to clear title?

Fri, 03/26/2010 - 07:32 Permalink

Hi Sykodawg,

You can first pull a copy of your credit report and check the status of this account. On your credit report you will be able to find the company listed against your account. You can then contact the company and try to negotiate a payment plan with them.

Hopethis helps.

Regards,

Aaron

Fri, 03/26/2010 - 09:53 Permalink
mario (not verified)

im trying to get rid of my car but dont have the title due to a bank charge off.Will the bank give me the title somehow

Sun, 10/24/2010 - 21:10 Permalink
lazyeyes (not verified)

im trying to get rid of my car but dont have the title due to a bank charge off.Will the bank or finance company give me the title

Tue, 02/22/2011 - 19:32 Permalink
greengirl (not verified)

i called the finance company and told them to pick up the car they said no its not worth it it was charged off. what can i or should i do with the car. she said they dont want it. never mentioned the title

Tue, 02/22/2011 - 19:34 Permalink
philadelphia eagles (not verified)

I just sent this post to a bunch of my friends as I agree with most of what you’re saying here and the way you’ve presented it is awesome.

Tue, 04/05/2011 - 21:19 Permalink
confused indeed (not verified)

what happens to car title when car is written off? Can you get a new title since the car is said by the creditor it is mine?

Wed, 12/07/2011 - 10:27 Permalink
DJ (not verified)

im trying to get rid of my car but dont have the title due to a bank charge off.Will the bank or finance company give me the title

Fri, 06/21/2013 - 13:45 Permalink
Tj (not verified)

Did any of you ever get your titles from the banks? I'm now in a similar dilemma. But, I haven't contacted the bank yet. My credit say charge off for $400 in 2009, that was approx 6 years ago. Now I need that title. Wow, I feel so screwed.

Mon, 03/23/2015 - 19:01 Permalink
Malibu 2013 (not verified)

I have the title to the car and it's in my name but it is charged off. Don't know what I should do with the car

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Sun, 01/27/2019 - 21:44 Permalink