Discharged Auto Loan or Loan Release After Chapter 7 Bankruptcy

[exhibitdesign]

State of Ohio, Chapter 7 bankruptcy, auto loan charged off, $ amount was written off. There was never any discussion of repo during any proceeding and I've never been contacted by the finance co. I have decided to give the car to my daughter and require the title. When contacted, the finance co. says the car was never paid for and it seems that the title belongs to them but the car belongs to me. My bankruptcy was 5 years ago, how can get a loan release to get the title?

[Mr. Knowitall]

If you want to get the loan released, you have to negotiate with the lien holder.

In Chapter 7 your choices are to reaffirm your loan (such that the loan is taken outside of the bankruptcy and you keep making payments), redeem the vehicle for fair market value (paying off the loan, perhaps with a reduced balance), or to surrender the vehicle. You apparently chose surrender, but the lender didn't repossess. That does not mean that the car is yours for free - it remains subject to the lien.