Hi!

I refinanced my car for a lower monthly rate earlier this year.

The original bank I financed through sent the title to me, not to the new lien holder. The title lists me as the title owner and says there is not a lien holder. It literally says "Lien Holder(s) NONE,"

The new bank I refinanced with started texting me requesting I send them the title and that it's very urgent about 2 months ago. I'm a really bad procrastinator so I just havent gotten around to it, but I mentioned to a friend about this situation last night and he immediately told me to consult with a lawyer because this means I might not be on the hook for my car payments?

Is my friend batty or is this really something I should chat with a lawyer about?

Thanks for your time!

Quick edit to add: I have been paying my monthly payments on time since the refinancing, if that affects anything.