Sistema Electrónico de Títulos de Vehículos en Míchigan

Explicación Simple

En Míchigan, si debes dinero por un vehículo, el prestamista puede poner un 'lien' sobre el título. Cuando pagas la deuda, el prestamista debe liberar ese 'lien' en un plazo de 14 días, y esto puede hacerse de forma electrónica.

Es como cuando le prestas a un amigo un libro. Si él te devuelve el libro, tú le dices que ya no lo necesita y se lo devuelves. Si no lo haces a tiempo, él podría molestarse porque no puede usarlo.

Ejemplo Práctico

Imagina que Juan compró un coche y pidió un préstamo a un banco, que puso un 'lien' sobre el título. Cuando Juan pagó el préstamo, el banco tenía 14 días para liberar el 'lien'. Si el banco no lo hace, Juan podría tener problemas para vender su coche más adelante.

Penalidades

Si el prestamista no libera el 'lien' a tiempo, puede ser responsable por los daños causados al propietario del vehículo.

Texto Original del Estatuto (Inglés)

(3) For the purposes of this act, any requirement that a security interest or other information appear on a certificate of title is satisfied by the inclusion of that information in an electronic file maintained in an electronic lien title system. The satisfaction of a security interest may be electronically transmitted to the secretary of state. A secured party shall execute a release of its security interest in a motor vehicle in a manner prescribed by the department not more than 14 days after the secured party receives the payment in satisfaction of the security interest in a motor vehicle. If the certificate of title is in the possession of the motor vehicle owner, the secured party shall deliver the release to the owner of the motor vehicle or as otherwise directed by the owner. However, if the certificate of title is held electronically as provided under section 238, the secured party shall deliver the release of security interest to the department, and the department shall cancel the security interest. If the secured party fails to comply with these requirements for the release of a secured interest, the secured party is liable to the vehicle owner for all damages sustained by the owner due to the failure to comply. The electronic lien title system shall provide a mechanism by which a vehicle dealer may assign ownership of a motor vehicle without proof that the prior security interest was satisfied existing on the electronic lien title system. However, the dealer warrants that the title is free and clear of all liens and assumes responsibility for the satisfaction of the security interest. (4) A certified copy of the secretary of state's electronic record of a security interest is admissible in any civil, criminal, or administrative proceeding in this state as e