How do I get a title or lien release after my Chapter 13 plan has paid off a vehicle?
When the lien must be released. If your plan is completed or if the plan has paid the full original balance of the loan, you may request that the creditor give you your title or release its lien.
How to request the title or lien release. In many cases, a phone call to the creditor holding the lien, and requesting that the lien be released because payments are completed may be all that is necessary once all of the payment to that creditor have been completed.
In some cases, the creditor will want evidence that the required payments have been completed. In order to provide that information, you will need to:
What to do if the lienholder does not send the release. Under ARS §28-2134, when a lienholder receives payment in full satisfying a lien, the lienholder is required to release the lien and deliver the certificate of title to the owner (unless there is a junior lienholder) within 15 days after the lien has been satisfied.
If the lien is not released, you may request that the Motor Vehicle Division (MVD) hold an Administrative Hearing and assess penalties against the lienholder. MVD may also satisfy the lien on its records if the holder of the lien cannot be found. You may find additional information about lien releases and requesting an Administrative Hearing at the MVD's web site, www.dot.state.az.us/mvd/, or at their customer service numbers, Phoenix 602-255-0072, Tucson 520-629-9808, and elsewhere in Arizona 800-251-5866.