[starsfan]

I have a similar situation that I'd like to get an opinion on.

We purchased a vehicle in 2000.. Made payments till end of 2001.. Both lost jobs after 9-11 happened. Filed chapter 13... New job only one income due to spouses medical problems and doctor bills, could not keep up the payment arrangements and converted to chapter 7. Lender tried to repo the car days after we filed chapter 7 and were turned away because it was our only transportation at the time and they had no legal right to repo since we had just filed. They could only repo after the discharge took place. That was in 2003. The twist is...
The lender did not repo it after discharge and it still sits in my driveway. Almost 5 years later it still sits. I have contacted them several times and after they showed no interest in it I finally gave up trying to get them to come pick it up. I can't drive it because the tags are out and we cannot re-register it without a copy of the title (we are in a different state now) which the bank has. So it sits, as it has for almost 5 years.
We have started over fresh, have learned from our mistakes and have stellar post-bankruptcy credit. Not a single derogatory item in 5 years. Have one car paid cash for and another newer model on a loan.

Now, my question...

I want to get rid of my beater car that I paid cash for and drive this car again. The only way I can do that is to get the title so I can register it in my state. Do you think the bank will take a settlement of the auction value of the car in return for the title? I hear some banks will not make a deal for the title at all with the original owner, and would rather see the car sit and rot. At any case I plan on calling them yet again, but this time to offer cash for the title or tell them I am dumping off to a recovery service.

[ScottGem]

First its not a good idea to piggyback your question on someone else's. This can lead to confusion. You should start a new thread. So I've moved your question to its own thread.

You have two options:

1) send a letter to the bank with a copy of your bankruptcy showing the car loan as discharged and request a release of the lien on the title.

2) Contact your DMV, show them a copy of the bankruptcy showing the loan discharged. They should remove the lien and reissue the title.