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There are only nine title-holding states: Kentucky, Maryland, Michigan, Minnesota, Missouri, Montana, New York, Oklahoma, Wisconsin. In the other 41 states, titles are issued to the lien holder of your vehicle until the loan is fully paid off.
What is the procedure to get a new title when an owner is deceased, or the decedent didn't leave a will? You should go to your local county Tax Collector's office and complete a title application, form 78-002. You will need to have the previous (currently existing) title of the vehicle.
Generally, the title transfer requirements include: The current title, the assignment filled in by the donor or seller, and notarized. A complete application for the replacement certificate of title.
Basically, this means your lender?the person or company who financed your car?is the legal vehicle owner. However, once you complete your car loan payments, you can apply for a clear title with your county tax collector's office and the Mississippi Department of Revenue (DOR).
What Forms You Need To Remove A Lien. Under Mississippi law, you need to complete the Application for Replacement Certificate of Title form to request a duplicate title with the lien removed. You'll also need to have the car title, with the lienholder's signature indicating that they are no longer the legal owner.
Any person proving ownership or any lienholder may claim the abandoned motor vehicle at any time prior to the sale by paying towing, repair, reasonable storage and other necessary expenses.
Once your car loan is completely paid off, obtain a car title lien release from your lender so your state BMV or DMV can put the car title in your name. The lien removal process varies by state and typically involves completing paperwork and paying a fee for the new car title.