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  1. #1
    Join Date
    Feb 2008
    Posts
    5

    Question Can I Junk A Car With A Lien

    I have a rather stupid scenario.

    I have a car with a lien that I would like to junk. The lien is held by an out of state bank, and is on a loan from my wife's ex-husband. He took out this loan against her car (she is the only one on the title/registration) AFTER they were divorced, so I think it is probably illegal anyways. (Good 'ole boys type of local bank let him do it)

    I don't really care about that, I just want to know if I am legally required to 'hold' this car in my possession until the lien runs out, or if I can just junk it and be done with the whole mess. It hasn't been registered in probably 3-4 years, and has been sitting in my garage since.

    I am in Wisconsin, and the car lien/registration is held in Kentucky.

    Thanks!

  2. #2
    Join Date
    Jul 2006
    Posts
    5,438

    Default Re: Can I Junk A Car With A Lien?

    Q: Can I Junk A Car With A Lien?

    A: Yes. You can do this right after you pay the lien.

  3. #3
    Join Date
    Feb 2008
    Posts
    5

    Default Re: Can I Junk A Car With A Lien?

    That is not what I wanted to hear.

  4. #4
    Join Date
    Jul 2006
    Posts
    5,438

    Default Re: Can I Junk A Car With A Lien?

    Quote Quoting mpeterson
    View Post
    ...
    The lien is held by an out of state bank, and is on a loan from my wife's ex-husband. He took out this loan against her car (she is the only one on the title/registration) AFTER they were divorced, so I think it is probably illegal anyways. (Good 'ole boys type of local bank let him do it)
    ...
    Who gave you this information?

    Have you seen the title?

  5. #5
    Join Date
    Feb 2008
    Posts
    5

    Default Re: Can I Junk A Car With A Lien?

    Quote Quoting seniorjudge
    View Post
    Who gave you this information?

    Have you seen the title?

    The bank told me my wife is the only one listed on the title. I do not have the exact date of the lien, except that it was after they were divorced.

  6. #6
    Join Date
    Jul 2006
    Posts
    5,438

    Default Re: Can I Junk A Car With A Lien?

    Quote Quoting mpeterson
    View Post
    The bank told me my wife is the only one listed on the title. I do not have the exact date of the lien, except that it was after they were divorced.
    Who told you that the ex-husband got a loan using the car as collateral after the divorce and even though he was not on the title?

  7. #7
    Join Date
    Feb 2008
    Posts
    5

    Default Re: Can I Junk A Car With A Lien?

    Quote Quoting seniorjudge
    View Post
    Who told you that the ex-husband got a loan using the car as collateral after the divorce and even though he was not on the title?
    My wife told me about it initially, as she was notified about it at some point. Then, after talking to the bank, they confirmed the name of the lien holder (him).

  8. #8
    Join Date
    Jul 2006
    Posts
    5,438

    Default Re: Can I Junk A Car With A Lien?

    Quote Quoting mpeterson
    View Post
    My wife told me about it initially, as she was notified about it at some point. Then, after talking to the bank, they confirmed the name of the lien holder (him).
    Good old boys or not, banks are not allowed to do what you said they did.

    So, this bears investigation at the bank.

    (Your wife will have to be the one getting the info; they won't give it to you.)

  9. #9
    Join Date
    Feb 2008
    Posts
    5

    Default Re: Can I Junk A Car With A Lien?

    Quote Quoting seniorjudge
    View Post
    Good old boys or not, banks are not allowed to do what you said they did.

    So, this bears investigation at the bank.

    (Your wife will have to be the one getting the info; they won't give it to you.)
    OK. Thanks for your help. I will see what we can find out.

  10. #10
    Join Date
    Jun 2007
    Posts
    636

    Default Re: Can I Junk A Car With A Lien?

    First off your title of the vehicle should state any lien holders against the vehicle. If you do not have the title then you can go to the DMV and file for lost title. You can also ask them if there are any liens against the vehicle. Actually your wife would have to do this for you.

    Now if the title comes back clean with no liens on record. Then you can do what ever you want with the vehicle.

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