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I suppose it really depends on exact legal contract. Is the financing that is loan against the vehicle and it is owned by the user. Or is it essentially rented.

And in first case even with court order there is good question about other creditors...

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While potentially completely unrelated, I've seen how "cowboy-like" the whole bounty hunters situation is over there, so it honestly and unfortunately wouldn't surprise me as much if it were the case with the creditors ...

(probably wrong statement follows) In the US, title to the vehicle usually remains in the hands of the creditor until it’s paid off.

Th title is in the owners name with a note of a bank lien on it. When you sell the car the bank lien is settled first and then the transfer can begin. In most cases you can’t register the car without the title and you cant drive the car without it being registered.

Interesting. It must be recorded at the county or something then? I haven’t seen a title for a vehicle in quite some time.

My state it's all electronic now. I have a paper title for my records but the it's just a fascimile of the digital original. To complete the sale I'd need to bring it into the tax collectors office where they update the digital record and print a new paper title for the next owner or do it at a dealership.

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