Asignación de intereses de garantía en vehículos en Pensilvania

Explicación Simple

Si alguien presta dinero para comprar un auto, puede tener un interés en ese auto. Si el prestamista quiere ceder su interés a otra persona, puede hacerlo sin que eso afecte al dueño del auto.

Es como cuando prestas un libro a un amigo, pero luego decides que otra persona se lo lleve. Aunque el libro ya no esté contigo, el dueño sigue siendo el mismo.

Ejemplo Práctico

Imagina que Laura compró un auto y tomó un préstamo con un banco, que tiene un interés en el vehículo. Si el banco decide asignar ese interés a otra compañía, Laura no se ve afectada y sigue siendo dueña del auto, aunque la nueva compañía ahora tiene el interés.

Texto Original del Estatuto (Inglés)

75 Pa.C.S. 2001 - Amendment § 1133. Creation of security interest for titled vehicle (Deleted by amendment). 2001 Amendment. Section 1133 was deleted by amendment June 8, 2001, P.L.123, No.18, effective July 1, 2001. 75 Pa.C.S. 1134 - Assignment By Lienholder Of Security Interest (a) General rule.--A lienholder may assign, absolutely or otherwise, his security interest in the vehicle to a person other than the owner without affecting the interest of the owner or the validity or perfection of the security interest but any person without notice of the assignment is protected in dealing with the lienholder as the holder of the security interest and the lienholder remains liable for any obligations as lienholder under this chapter until the assignee is named as lienholder on the certificate of title. (b) Duty of assignee.--The assignee shall deliver to the department the certificate of title and an assignment by the lienholder named in the certificate of title on a form prescribed and furnished by the department and accompanied by the required fee. Failure of the assignee to make the delivery shall not affect the validity or perfection of the security interest. (c) Division 9.--The provisions of this subchapter are subject to 13 Pa.C.S. § 9308(e) (relating to when security interest or agricultural lien is perfected; continuity of perfection). (June 8, 2001, P.L.123, No.18, eff. July 1, 2001) 75 Pa.C.S. 2001 - Amendment Cross References.Section 1135 is referred to in section 7508 of this title. 75 Pa.C.S. 1136 - Duty Of Lienholder To Disclose Pertinent Information A lienholder named in a certificate of title shall, upon written request of the owner or of another lienholder named on the certificate, disclose any pertinent information as to the security agreement and th