Buying a truck with a lien

[Icouldeatababydeer]

So I bought a truck about a year and a half ago, wrote it off couple weeks ago and get a call from the insurance company today, turns out the 4500 dollar truck I bought with cash has a lien against it, so now the check I was suppose to get from the insurance company to replace it isn't coming in... Now what? Do I contact the seller and threaten with small claims court? Or just cut my losses?
Anyone else deal with this before? What can I do?

[Ken07AOVette]

verify the date the lien was placed, if after you bought it it is invalid

[Icouldeatababydeer]

It was before I bought it, he used it as collateral for child maintenance or something... My insurance company would not tell me how much it's for...

[Hooter]

Unfortunately I think you're SOL. I always do a title check on used vehicles at the local Registry Office.

[Icouldeatababydeer]

Haha, everyone I've talked to asked me why I didn't do that.. Didnt think of it. It was 99 f250. Figured it was good. Lesson learned.. I still have the bill of sale, he checked off the box that says free of liens... I guess you can't trust people... Lesson learned.

[FishingMOM]

Originally Posted by Icouldeatababydeer

Haha, everyone I've talked to asked me why I didn't do that.. Didnt think of it. It was 99 f250. Figured it was good. Lesson learned.. I still have the bill of sale, he checked off the box that says free of liens... I guess you can't trust people... Lesson learned.

You might have a leg to stand on.

[creeky]

Originally Posted by Hooter

Unfortunately I think you're SOL. I always do a title check on used vehicles at the local Registry Office.

Always check, tho likely too late-even now i would have one done.

Last truck i bought i checked right @ last minute. Found lien , called seller & it turned out it was on from the guy he bought it from. Bank had been lazy/cheap & not pulled the lien off. Turned out all good, for the $25 it's worth a try. Sucks big time, wish u luck in this :-)

Creeky

Forgot to add, i wouldn't take any insurances companies word, (not all that swift nor trustworthy). Do your own investigating.

[longrange1000]

you can do your own lien check on it right now and find out the amount.