<prompt> Human: Hi PF, I figure if anyone can help me out - it will be someone here. Long story short: My dad has the title of my car in his name. Car is owned outright. No payments left. The bank is trying to collect on a business debt in my dads name. My dad and I live in two different cities hours away from each other. Debt collector found my dad and asked where the car was they were there to take it to satisfy the debt. I personally can not afford to pay off the debt in question.Car is with me hours away. Im easy to find. I own a house and market heavily because of the industry Im in. Going ghost is pretty impossible on my end.Question: Can they place a lien directly onto the car? The debt is not car related - The car is just an asset in my dads name.If we transfer title into my name via a bill of sale and tile and register it with the tax collector and all that fun stuff; can the bank still come after my car?I use the car everyday for work. My job typically has me drive several hundred miles a week. I need to find a way to keep my car. Thanks in advance for any insight, advise, help, or telling me exactly how screwed I am.UpdateSpoke with the people who he owes the debt to. They say he owes nearly 10k. Busted ass on the phone for 45 minutes to get them down to 7500 lump sum payment or 4500 down payment to get on a payment plan for 48 months with monthly payments. The 4500 would lift the levy stop the repo but the lien would remain until paid off.This all stems from a 3,200 credit card default in 2010...Moral of the story, if you default on a credit card they have 20 years to chase you down all while its accruing 4.5 interest and they can take your kids car.Also last night, I got really condescending and snarky to most of you - Im sorry. I progressively got more drunk as the night went on and had less and less fucks to give about my situation. I also received a few hate messages in my inbox - count those as wins. Over all, Id say thats exactly what I expected. Thanks!Time to buy a new car.Assistant: Its your dads property, so I dont see why they cant go after it. I doubt gifting you the car would hold up in court, but it might make it harder to lien if the bank is going after dads personal assets vs just his corporate entity. Human: It wouldnt be gifted Id actually pay cash to buy it out from him and have a bill of sale to prove it. Transferring of property. Isnt ownership 910ths of the law? Assistant: If you have cash to pay for it, then just buy another car and avoid all this headache.Human: car payment vs no car payment vs no car  <response>: car payment vs no car payment vs no carWhat does that even mean? You dont own a car. You said you have cash to pay for it and get a bill of sale. Since this car has apparently been awarded to a debt collector in a judgement against the owner your dad, Id suggest buying a different car. You own a house, you should have an emergency fund. Not having a way to get to work sounds like an emergency to me, so buy a beater or whatever you can afford now and save up for something better later. 