How We Buy Cars with Liens in Miami
Having a lien on your vehicle doesn't mean you can't sell it for cash. As licensed Florida auto dealers, we specialize in purchasing vehicles with outstanding loans, handling the entire payoff process professionally and legally.
🔄 Our Lien Resolution Process
Vehicle Evaluation
We assess your car's value and determine if it exceeds the loan balance. Even underwater loans can often be resolved.
Loan Balance Verification
We contact your lender to verify the exact payoff amount and get written confirmation of requirements.
Direct Lender Payment
We pay your lender directly, ensuring the lien is properly satisfied and released according to Florida law.
Cash Payment to You
After lien release, you receive the remaining value in cash. If underwater, we may cover the difference.
Types of Lien Vehicles We Buy
🚗 Standard Auto Loans
- Bank financed vehicles
- Credit union loans
- Dealer financing
- Online lender vehicles
- Personal loans for cars
💼 Commercial Vehicle Liens
- Business vehicle loans
- Fleet financing
- Equipment loans
- Commercial truck liens
- Work vehicle financing
🏠 Home Equity Liens
- HELOC vehicle purchases
- Second mortgage cars
- Property-secured loans
- Cross-collateral situations
⚖️ Legal Liens
- Mechanic's liens
- Storage facility liens
- Towing company liens
- Judgment liens
- Tax liens
Underwater Loans - We Can Help!
💡 When You Owe More Than the Car is Worth
Being "underwater" or "upside-down" on your car loan is common, especially with rapid depreciation. Here's how we help:
Required Documentation for Lien Vehicles
📋 What You'll Need to Provide
✅ Essential Documents
- Valid Florida driver's license or state ID
- Vehicle registration showing your ownership
- Loan paperwork or financing agreement
- Recent loan statement with balance
- Lender contact information
- Insurance policy information
- Vehicle keys and any spare keys
📄 Helpful Additional Documents
- Payment history or account statements
- Original purchase agreement
- Maintenance records
- Gap insurance policy (if applicable)
- Any loan modification agreements
Florida Lien Law Compliance
⚖️ Operating Within Florida Legal Requirements
Florida Statutes Chapter 319 governs vehicle liens and transfers. As licensed auto dealers, we ensure full compliance:
Proper Lien Satisfaction
All liens must be satisfied according to Florida Statute 319.27 before clear title can be issued.
Electronic Lien Processing
We work with Florida's Electronic Lien and Title (ELT) system for faster processing.
Truth in Lending Compliance
All transactions comply with federal and state truth in lending requirements.
Common Lien Situations We Handle
🤝 Divorce Settlements
Vehicle awarded in divorce but still has joint loan responsibility. We handle the payoff and transfer process cleanly.
💔 Relationship Breakups
Ex-partner's name on loan but you have the car. We work with all parties to resolve the situation legally.
💼 Job Loss/Financial Hardship
Can't make payments and need to avoid repossession. We provide a dignified alternative to repo.
🏠 Relocation/Military Orders
Moving and can't take the vehicle. We handle interstate lien transfers and documentation.
🔧 Major Repairs Needed
Repair costs exceed remaining loan value. We evaluate total cost vs. sale value options.
Get Expert Help with Your Lien Vehicle Today
Don't let a lien prevent you from selling your car for cash. Our experienced team handles complex lien situations daily and can find a solution that works for your specific circumstances.