Other than Paying off the loan, you DONT. Charge-off is an accounting term to explain why the lender didnt make any profit on the loan. As long as the vehicle is collateral for a loan, you dont get clear title.
If your vehicle is in a private impound or police impound then yes. They only are obligated to give you without charge your government issued ID card(s), medication(s), and corrective lenses. They can hold anything else, even your house keys, clothes, food, whatever. Also if you "abandoned" your vehicle at an impound in Minnesota and the towing company goes through the legal process of placing a lien on your vehicle the property goes with the car.
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