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Say if you were selling to an individual I would always go to the Department of Motor Vehicles they have notary public present and that way you'll make sure that all the information is filled in on the correct line because once you make a mistake it is a nightmare trying to correct the paperwork so be sure that all the correct information is filled on the back of that title yeah in most situations individuals won't have a clear title, and they'll have a payoff involved and what will happen is the lien holder will hold the title until we pay off the loan on the trade-in vehicle, and then I'm going to say probably 3/4 of our cash customers come in with title in hand ready to do business and that's always a good sign if you see the title in that customer shirt pocket you know they're here to do business in most situations the dealerships will do all the hard work for you, they'll collect the sales taxes and title registration fees at point-of-sale, and then we'll wait in line we pay the Department of Revenue the monies that are due and then with those receipts will process the applications for title no need for you to wait in any long lines we'll pick up your permanent license plate or mail your new registration