Chronologically, the car was bought using a loan through a bank, then title is sent to the bank electronically. The car loan is completely paid for, but title was never mailed, my guess is because it was electronic. Afterwards, from the same bank I got a credit card and eventually built up debt...
I have a car with two liens on the title. The first one is by a bank who put the lien on it after I filed chapter 7 when I couldn't repay my credit card debt. The second one, which occurred after, is a mechanic's lien when I couldn't repay the repairs. Who would receive ownership of my vehicle...