You need to get a release from the bank for that title to be brought over to you free and clear. There really is no way around getting the loan paid off before you can sell the car.
You may also wish to check your credit rating. They may have a mark against you that will prevent any future loans until this issue is cleared up.
This is not an unusual tactic for banks if the car has little net worth. You will realy want to get this cleared up before the car is gone!
You'll have to pay off the bank and get the title cleared.
Loan and security will always be active against the vehicle. It never goes away until paid or repossessed. Yes, the collateral may be repossessed at any time.
If you have never been delinquent or defaulted on your vehicle loan, and it is repossessed, it may have been wrongfully repossessed. It must be returned to you, at no cost to you, ASAP. It is not uncommon for this to occur. So many similar and like vehicles are out there and VIN numbers can be so close that confusion occurs. More often than not it is a simple mistake. Go ahead and ask the lender for a concession due to the inconvience it has caused you. They may give you nothing, but if you are friendly and understanding, they very well may.
The owner of a vehicle that has been repossessed, cannot afford to make their payments, so it makes sense that they cannot afford to perform the required scheduled maintenance on the vehicle. This is not always the case but IMO, I would never buy a repossessed vehicle, unless it had extremely low mileage of say less than 20,000 miles.
Read the fine print of your contract carefully. I have never heard of a vehicle leasing/purchasing contract NOT having a first payment default clause.
Absolutely NOT! The vehicle legally belongs to the lien holder and any person who tries to recover said vehicle via self-help can be charged with Grand Theft Auto. NEVER, NEVER, NEVER attempt such an action.
If you cannot produce a "clean title", you cannot sell or trade the vehicle.
While you are entitled to your personal property that was in the vehicle, the simple fact is that if you can't prove the tools were there you'll probably never see them again.
a lien can be placed on a title without you giving them the title. call your states DMV and ask if you car has a lien on it. I think you will be surprised. Good Luck
Most likely not depending on what financial situation you're in.
If the terms of the lease include the requirement that you must provide insurance on the vehicle, and I've never seen a lease agreement that doesn't, yes, they can hold you in violation of the lease and repossess the vehicle.
No. A vehicle cannot be sold without a clear title and the only way to obtain such a document is through the lien holder.