My question involves an auto loan or repossession in the State of: NM
I am behind on my car payments and the creditor has threatened reposession. However, I have the title to the car in my posession and the creditor does not have a lien recorded on it. The title does not show any lienholders. QUESTION: Does the creditor have the right to repo the vehicle without holding the title or without a lien on the title?
Dave / NM