What to do if I paid my car off and the loan was in my name but the title is in my husband’s name and now the bank won’t release my title because he is one payment behind on a loan that had nothing to do with the car?

Is this even legal?

Asked on January 23, 2013 under Business Law, Texas


FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 7 years ago | Contributor

Unless the loan that you have paid off in full is cross collaterized by some unrelated loan by way of signed and dated papers by you, what the bank is refusing to do is improper under the laws of all states in this country. You are entitled to the registered title of the car that you paid off. I suggest that you contact your state's department of corporations that regulates banks in your state and make a complaint.

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