You would have to call, write and bug the secured creditor to have the lien released. One you obtain the release of lien from the creditor, then you can obtain a new free and clear title from the Secretary of State's office. If the creditor refuses to release the lien, it is pretty expensive to fix it through the bankruptcy court. You'd have to reopen the file (if already closed), and file a Motion and proposed Order ordering the Secretary of State to give you a clean title. Also, you could call the Chapter 13 Trustee's Office- perhaps one of their staff attorneys would be willing to write the boat creditor on your behalf requesting that you be immediately sent the Release of Lien.
Answered on Feb 23rd, 2012 at 7:06 PM