VA DMV sent me a title to a car I purchased in August 2013 with no lein holder. I thought it was odd, but didn't pay any attention to it. I ...

Question

VA DMV sent me a title to a car I purchased in August 2013 with no lein holder. I thought it was odd, but didn't pay any attention to it. I have made three payment so far and will continue to make the payment. Today Chuck Powers from Toyota called as asked if I had the title, and if so, could I please return it.

I realize I have to pay off the loan, but do I have to legally return the title?

Answer

Yes, return it to the seller so they can properly record their lien through the DMV which will then reissue a title reflecting this update. (What you have

now although you may not realize it is what the law terms a "cloud" on the title.)