We posted our ATV loan as an unsecured debt on our bankruptcy filings as I could not find a copy of the title, the loan company never contested or made any effort to contest that it was unsecured or secured. About 30 days after our debt was discharged I received a call from a third party stating they wanted to come and repo the ATV, my attorny advised me to tell them he wanted to see the secured interest paper work and that they would need to go through the courts if they did not have it. I never heard from them again. It's been about a year since our chapter 7 discharge and still no word from anyone. I did find a copy of the title but on the back of the copy it just had the intials of the bank hand written in but no other information, so I am not certain it was ever sent in as secured. My trail registration had expired and when I went to renew it, the registration process said "3 other people are listed owners". Would that be my wife and 2 kids? Bank? how do I find out who those 3 other people are? There was no where on the web site that gave me an option to view that. Also, is there any chance that if I bring my ATV to the dealership for repairs, that they tell me that it was repo'd??? Can they do that? Do they have a list of ATV vin numbers that are in repo status?
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They told you it was three other people those three persons would be the names of who the vehilce is registered in. The bank is not the owner of the vehilce they are the lienholder (true owner) not OWNER. You own the vehilce and if you want who those three persons are all you need to do is ask. If you want to know if there is a lien just ask.
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