What to do when you have paid (or are paying) for a vehicle but can't get your Texas title.
My Dealer Is Out of Business or Has Problems and Won't Deliver My Title
Every few years a sizable dealer will get into financial trouble and fail to pay the companies from which the Dealer borrows money. Innocent consumers can be caught in the middle of a battle of financial giants who make multiple claims to the title to the vehicle which the consumer is driving. The consumer is confused as to who should receive their payment, if any. If your vehicle is subject to this type of claim you need immediate legal help from an attorney who has experience representing consumers in this type of distress.
Texas law requires a vehicle to be registered
There is no such thing as a contract for title in Texas. If you buy and drive the car it has to be registered in your name as owner with the seller or finance company noted as lienholder. Car dealers will make all sorts of excuses as to why they have not transferred or cannot transfer the title and register the vehicle in your name. The only plausible excuse is that you have not provided proof of insurance. Even then, there is a process where the vehicle can be registered pending your proof of insurance. However, if you don't have insurance you should not be driving the car anyway. In summary, keep insurance on the vehicle and continue to pay your installments AND GET RECEIPTS or have a cancelled check as proof of payment. If a new company says they should receive your payment, have them confirm that status in writing and get an immediate payment history. If you have not received the registration and you have followed the above steps, make a written demand for the title and/or registration. If you only receive an excuse, contact an attorney.
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