Legal Question in Credit and Debt Law in Tennessee

Re: Car Title Recieved Early

Since you received your title because of your creditor's clerical error, you still owe the remaining balance on your car. I would not advise you to sell your car or quit paying on it because your creditor would still be able to hold you liable on the debt. This error does happen occasionally, I have actually represented several creditors that mistakenly sent the title before the loan was paid off. As long as they have the records to prove you still owe the debt, they will prevail against you if they are forced to go to court to collect the debt.