Two years ago, Toyota Financial sent me a release of lien letter and a singed car title. I took it to DMV and they removed Toyota Financial as lien holder. I have never called Toyota but still make the payments. Do I still owe Toyota IF I decided to stop paying?
Credit Repair Attorney
You need to consult with a qualified attorney in your area to review your finance contract and your payment history.
Chapter 7 Bankruptcy Attorney
No way to say without looking at the paperwork.
Hope this perspective helps!
Construction / Development Lawyer
It would depend on your agreement. I have to wonder why you think you still owe if Toyota gave you those documents.