How can I get a clear title for an atv after Bankruptcy?

Question

How can I get a clear title for an atv after Bankruptcy?

Anonymous May 25, 2014 4 views 4 answers

I filed for bankruptcy in 2006. It has been discharged. I have 2 atv's that I had financed thru HSBC. I went thru the process with the lawyer to 're-affirm' the loan w/ lower terms so we could keep them. I made several payments per the re-aff & then found out that HSBC had never agreed with the lawyer's requested terms & I was not made aware of this. I was told by my lawyer to stop payments & hope HSBC would not claim the atv's. 2014 & I still have them & have never been contacted. I Live in Arizona. How can I get a clear title for these & can HSBC still pursue?

Matthew Berkus · Accepted Answer · 2026-06-15T11:25:04+00:00

Matthew Berkus

Matthew Berkus · Jun 15, 2026

Pay off the balance due. Bankruptcy does not extinguish liens. All you can do is call and ask.

0 upvotes

Dorothy Bunce · Accepted Answer · 2026-06-15T11:25:04+00:00

Since you still have the vehicle, see if the DMV laws in your state provide for issuance of a title for an abandoned vehicle. Hope this perspective helps!

andra A Kuhn Esq.Chapter 7 Bankruptcy AttorneyConcord, NH · Accepted Answer · 2026-06-15T11:25:04+00:00

Unless you pay the balance HSBC still has a security interest in the vehicles. You can call and see if you can offer them a settlement amount and get the vehicle titles.

Andrew M EllisBankruptcy AttorneyPhoenix, AZ · Accepted Answer · 2026-06-15T11:25:04+00:00

You probably will not be able to get a clear title because you didn't pay off the loan. HSBC probably won't release the lien, but they probably won't repossess the ATV's.

How can I get a clear title for an atv after Bankruptcy?

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