I am in Texas and have an employee that got a title loan and did not pay it back. They came to get the car and it's not.The Texas Department of Motor Vehicles (TxDMV) is instituting changes to the handling of title disputes to better align with current statutory requirements. Car title loans are short-term loans, which means that a borrower has to pay back the loan in its entirety relatively quickly and usually within a month. Judge Randy Shelton from the 279th District Court answers your legal questions. If you're considering bankruptcy as a way to handle your title loan, it's a good idea to consult a bankruptcy attorney. Tom Max Thomas II. Accepting new clients! Unlock quick cash with Title Loans in Texas. Secure your loan using your car's title.