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I have been paying for my car since 2005 and still owe $3,800 on an unsecured loan. However, the DMV sent me the title in the mail about 2 weeks ago. Do I need to continue making payments or am I considered the legal owner? I know I owe the bank, but can they repo my car if I have the title? I believe I don't have to pay if I don't want to and all the bank can do is take me to court! I live in Kansas but bought my car in Colorado!