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1512 Technology Drive Ste 101, Chesapeake, VA 23320

Wisdom & Authority Title Solutions


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TYPES OF AUTO TITLES SERIES: PART 1-Names of Different Auto Titles

Posted on April 10, 2018 at 1:54 PM Comments comments (1510)

In this series-Types of Auto Titles, I'll discuss and examine the names of different types of auto titles.  Likewise the processing mechanisms of these titles will be discussed in the next segment, but for now; I'll stick to the names only.

In this segment, I'll cover the different names of auto titles and the purpose or reasoning for naming different auto titles in the first place.

There are 4 different kinds of auto titles:

1. Original Title
2. Substitute Title
3. Supplemental/Transfer of Lien Title
4. Replacement Titles

Description of Each:

1. Original Title-is a title that has been created or established for the very first time for the owner/s on record.
2. Substitute Title-is a title in which a change has taken place regarding the owner and or the vehicle.  Common changes are the name change of the owner/s on record, odometer, VIN corrections, removing a lien, etc.
3. Supplemental/Transfer of Lien Title-is when a lien is being added to a title record or a lien is being transferred on the title record.
4. Replacement Title-is a title that is rendered when the original or prior title on record is lost, stolen or mutilated.

Next, the purpose for classifying auto titles with different names; all has to do with the title record for DMV purposes.  In essence, DMV keeps track of what occurs during the life of an auto title, while the vehicle is titled to its owner/s.  For example, if someone goes to the DMV and obtain a title because  they lost a prior title; they'll apply for a replacement title.

On a final note, you can tell the type of title you have based on the description shown on your title.  Normally you'll see at the top of the title words such as Original, Replacement, etc.  and there is an accompanying date which shows when the title was created or rendered. Helpful Tip: When applying for a title, please be advised that the current title will always cancel any title that was issued before it.  So if you lost a title, but happen to find the original one after the duplicate title was issued, you won't be able to use the first one.

To learn more about this series please check back with segment two that will be shared soon.  For more information about auto titles, please read my other blogs at

Vehicle Title Administrator & Owner of Wisdom & Authority Title Solutions LLC

Shanel White

©2018 Wisdom & Authority Title Solutions LLC

What is an Auto Title Service?

Posted on January 28, 2018 at 9:38 AM Comments comments (901)

In this post, I feel the need to mention a part of auto titling that many companies and individuals don't know exist.  The area that is unknown to many is the area of auto title services.  I like to equate the area of auto title services as the DMV alternative; which I'll elaborate on shortly.  In this post, I will provide insight on what an auto title service or title and tag agency is, the types of auto title services available, benefits of using such services and your expected outcome of using an auto title service.

What is an Auto Title Service?
"The DMV Alternative"

An auto title service; essentially allows the individual or business to get their title and or registration needs met without having to step foot into the DMV.  An auto title service allows those utilizing its service to avoid DMV visits, long lines and renown DMV wait time.  

Types of Auto Title Services

While discussing this area of auto title services; it is important to mention the types of auto title services; being that there are differences involved.  Regard the following:

  • Registration & Plate Issuance Only: This type of service is more like a registration and plate agency only;rather than an auto title service.  For example titles aren't processed and issued.  Registrations, plates, decals and in some cases temp tags are issued.

  • Title & Registration Issuance: This is a service that provides titles and registrations; however the types of titles and or registrations that are provided may be limited.  

  • Full Service Title & Tag Issuance: This type of service provides registrations, other types of basic titles in addition to original titles, such as replacements, substitutes, lien recordings, etc.  Also title and vehicle record searches are done as well.

  • Specialty Title Service: This kind of service usually focus on one or m ore of the following titling matters such as salvage, bonded, abandoned, mechanic/storage/tow lien, improper titles, etc.

It is important to note that with the four types of auto title services that were just mentioned; that a title company can sometimes be a full service and a specialty title service at the same time, while most title companies though will be in only one of the four areas.

Benefits of Using an Auto Title Service

The primary benefit of using an auto title service is that time is saved.  In essence having an auto title service at one's fingertips without having to deal with the DMV is a major time saver.  Other benefits of using an auto title service are:

  • Being able to get direct assistance or answers pertaining to title and or registration matters; whereas you may have a challenge obtaining from the DMV

  • Some title services can prevent you from facing DMV rejection by addressing title and tag errors with your paperwork.

  • Can get title and  or registration transactions done quickly on your behalf than if you would've tried to get done on your own.

Your Expected Outcome When Using an Auto Title Service

While an auto title service is very beneficial, it is important to understand that not every auto title service is the same and not everyone complies with motor vehicle laws as well.  Upon utilizing an auto title service, you should experience the following outcomes:
  • A sense of peace, trust and assurance with the company who assisted you with your transaction.

  • Your transaction should be done accurately and free of errors.  In the event an error is present is present, the auto title service should address the matter promptly and make the necessary accommodations.

In closing Wisdom & Authority Title Solutions LLC is a full service title and tag as well as a specialty title service.  We are honored to bring 40+ years of combined DMV title experience to our clients.  We don't cut corners and believe that the title and registration experience should be done right and done right the first time, while allowing our clients to enjoy an experience that is filled with ease and free from DMV jargon.

                                                                       ©2018 Wisdom & Authority Title Solutions LLC

SERIOUS AUTO TITLE PROBLEMS: Dealer/Auction Went out of Business Without Giving a Title (Segment 5)

Posted on August 8, 2015 at 4:51 PM Comments comments (500)

When most people go to a dealership or auction their mind is focused on the condition of the vehicle they are getting; rather than the details of the title for the vehicle.  It's natural to just assume or believe that dealers or auctions have the title to the vehicle that they plan on selling you, and that they will not only handle the title work but will do so properly and will give you a title as well.  Unfortunately, this isn't always the case and as a result, there are individuals that buy vehicles from dealers or auctions without getting their title work done or titles rendered; and to add insult to injury the customer sometimes will find that the dealership or auction has gone out of business without giving them a title.  In this segment, I will discuss: A. The obligations that dealers/auctions have regarding your vehicle title/registration and B. What to do if you don't get a title from the dealer/auction.

Obligations Dealers/Auctions Have Regarding Your Vehicle Title/Registration

When it comes to the title and registration side of your vehicle purchase; dealers and auctions have the following obligations:

1. To ensure that they issue you a properly transferred auto title and registration in your name (Mistakes do occur and the wrong individual can sometimes be on the title work).

2. To ensure that the lienholder (if being financed) is recorded properly on the title/paperwork.  Note: Depending on your state and or lienholder, normally you won't receive a title until you pay the vehicle off.  However certain states will release the title to the buyer with the lien on it.

3. Must comply with motor vehicle title/registration processing deadlines.  Note: Most states require vehicles to be titled and or registered within 30 days of purchase. However some states give shorter timeframes or even more; it just depends on your state requirements.

4. Dealers/auctions are to collect the applicable motor vehicle fees (title, sales tax, registration fees and any other applicable taxes) on your behalf and submit to the DMV accordingly.

What to Do or Not To Do If You Don't Get a Title From the Dealer/Auction?

If you don't receive your title/registration from the dealer/auction and they happen to go out of business; the following tips are critical in determining whether or not you will get a title:


1. Get a bill of sale, buyer's order, odometer disclosure and other documents pertaining to your purchase.

2. Get a temporary registration and plates

3. Ask the dealer/auction do they have a properly assigned title to your vehicle.  If so ask to see the title.  If the dealership/auction lacks the title' ask them for a document/affidavit in writing providing the reason why they don't have a title, how and when they plan to obtain the title.


1. Wait past 30 days to inquire about your title and registration from the dealership.  If a dealership/auction goes out of business; it's harder to get recourse for your situation if you wait too long!

2. Don't resell your vehicle (thinking that this is a quick fix to get rid of the vehicle-SHOULD YOU CHANGE YOUR MIND AND WANT TO SELL DUE TO TITLING DELAYS FROM THE DEALER/AUCTION) Should you try to resell, while you don't have a properly reassigned title, this will cause a title skipping situation.

If you bought a vehicle from a dealer/auction and you haven't received your title, getting the run around about your title work, etc.; Wisdom & Authority Title Solutions LLC is able to assist you .

Wisdom & Authority Title Solutions LLC. ©2015


Posted on May 16, 2015 at 3:48 PM Comments comments (350)
The DMV made a mistake on your auto title?  While the DMV may not be quick to acknowledge that they made an error on your title; there is the high possibility that they could've made an error due to the realm of clerical errors and omissions.  Before you march to the DMV demanding a change; read this post first!  In some of my other postings, I've highlighted auto title errors that are usually made by individuals (buyers, sellers, dealers, etc.), however the focus here will be on the DMV making errors on auto titles.  With that in mind, I will address the following matters in this post: Types of errors that the DMV make on auto titles, tips for preventing and spotting DMV errors, actions to take regarding DMV title errors.


The following are the most frequent errors that the DMV make on auto titles:

  1. Vehicle Data: (Year, Make, Model, Body,VIN)-The VIN is the most common; usually it's typed wrong completely, missing a few digits, one digit, etc.
  2. Odometer Reading
  3. Wrong Garage Jurisdiction-Usually occurs on the registration card with the vehicle in question. Note: this can lead to personal property tax issues, as jurisdictions charge different rates
  4. Wrong Lienholder Code and or Lienholder Address-Lienholders have their own code or ID with DMV, thus when the wrong code is keyed and or the wrong address; this can cause the wrong lienholder to receive the title.


Time is the main tip in preventing and spotting DMV errors is to check your title and or registration before leaving the DMV or when receiving it in the mail.  Doing this immediately is key, because the data is still fresh (same day-a few weeks old) and the DMV will be able to change the information quickly.  However, should you wait to look over your credentials; there could be a delay regarding the need for a correction.

Another act of prevention is to make copies of your title and paperwork beforehand, that way if an error occurs; you can cross-reference it with what DMV has.


What should you do if you believe that the DMV made an error on your auto title?  Regard the following, if there is a DMV related error on your title:

  1. Be sure that the error is DMV's and not your own, the seller's, dealer's, etc.  Note: which is why it is important to keep copies of the title and documentation before submitting it. 
  2. Have available copies/records of available for the error in question.
  3. Be prepared to research the matter through records and paper trails if you don't have the available proof at hand.  Note: this can be very tedious and confusing if you don't know where to start and don't understand the vehicle title process.
  4. It is important to address the error earlier on, rather than later in such cases when you decide to sell the vehicle and you try to get the matter rectified before selling the vehicle (this will hold up your possible transaction with the other party)!!

Wisdom & Authority Title Solutions LLC is the vehicle title expert in basic and complex title matters.  If you are getting the run around with a DMV title error, submit your request for assistance at:  [email protected]

©2015 Wisdom & Authority Title Solutions LLC. All Rights Reserved.


Posted on May 16, 2015 at 2:47 PM Comments comments (430)

Received a jumped auto title?  At least that's what DMV told you and is the reason why they rejected your transaction.  Skipped titles, jumped titles, flipped titles are all the same, and create problems with auto titles.  If you aren't aware of what a jumped title is or perhaps you need more insight; this post is for you.  A jumped auto title takes shape in one of two ways: A. there is no title present, but the vehicle in question is passed along from person to person, or B. there is a title present; it just hasn't been transferred properly.  Also in this case, multiple parties have signed and passed the title along from person to person as well.  In essence a jumped auto title is when proper and legal ownership of the vehicle hasn't  taken place.  In this post, I will share examples of jumping auto titles, discuss why jumping auto titles is illegal and how to avoid being a victim of a jumped auto title problem.


Examples of jumped auto title scenarios include:

  • Someone buying a vehicle with a title transferred to them.  The individual decides not to keep the vehicle go through the process of getting the title transferred into their name, but instead will give the title and vehicle to someone else.
  • The owner of a vehicle sells the vehicle to someone without providing them with a title; that person in turn may sell the vehicle to someone else and so on.
  • Multiple sections or reassignments on the title are completed.  Note: only legitimate dealers/auctions are allowed to "reassign" and complete the dealer sections on the title.


Jumping auto titles is illegal for the following reasons:

  • There is the high possibility that the vehicle is stolen
  • Municipalities are cheated out of sales tax or personal property tax that would be due on the vehicle.  Note: People oftentimes jump titles to get out of paying sales tax.
  • Illegal dealers operate "flipping car" schemes without legal titles; thus adding to the jumped auto title problem
  • Imperative vehicle data can be delayed or stopped from being submitted to the motor vehicle database.  This happens because the most recent title or vehicle information isn't being updated and can't be conveyed properly, due to jumping auto titles.


The following are tips you should adhere to if you wish to avoid being a victim of a jumped auto title problem:

  • Don't buy a vehicle without a title (regardless of the seller's excuses or how good of a deal you believe you are getting)!!
  • Ask to see a valid I.D. of the individual selling you the vehicle.  If buying from a dealer; ensure that they can provide you with a valid dealer number for your records.
  • When receiving a title, make sure that the person selling you the vehicle actually has the title in his/her name and that their name isn't just transferred to them "with their name being on the line as the buyer".  Note: with dealerships/auctions, this is an exception (IF YOU DON'T KNOW WHAT TO LOOK FOR OR DON'T UNDERSTAND VEHICLE TITLING, THIS COULD BE A TRICKY SITUATION FOR YOU),

To sum it all up, there is only one legitimate reason why you shouldn't receive a title when buying a vehicle, and that is if you are getting the vehicle financed-THERE IS A LIEN ON IT.  If you owe the lienholder (whether an individual, dealer, or financial institution) money on the vehicle, they aren't obligated to give you a title, until you satisfy the payment agreement.  To prevent  title delays as well as potential financial loss later; it is wise to ensure that you are receiving a properly assigned title from the very beginning.

Wisdom & Authority Title Solutions LLC, is the vehicle title expert in basic and complicated title matters.

©2015 Wisdom & Authority Title Solutions LLC. All Rights Reserved.


Posted on April 27, 2015 at 10:39 AM Comments comments (1383)

You have a vehicle that you need to sell, but you don't have the title.  You decide to just give the buyer a bill of sale and tell them that they can get a title with just that.  No worries right?  After all, you can't find the title (we'll see...)  In this next segment of Serious Auto Title Problems, we'll take a look at Selling a Vehicle Without A Title.  Matters that will be regarded are: reasons why people sell vehicles without titles, the types of people who sell vehicles without titles and the consequences that arise when selling a vehicle without a title.

Reasons Why People Sell Vehicles Without Titles:

The main reason why people sell vehicles without titles is because they don't want to be bothered by DMV and the process of getting a title.

Other Reasons Are:

  • The seller isn't the legitimate owner of the vehicle and lacks proper ownership documents to begin with.

  • A car flipping scheme is present.  The individual/s don't make it a priority to get a title because they just want to flip the vehicle for quick cash.

Types of People Who Sell Vehicles Without Titles:

When it comes to people selling vehicles without titles; generally you'll find the following:

  • Car Thieves

  • Individuals who have a lien on the vehicle and no longer want or can make payments on the vehicle and looks for a way to sell their vehicle quickly, to make quick cash.

  • Illegal "dealers"

  • Car flippers/curbstoners

  • Individuals who decide buys a vehicle without receiving a title and later changes their mind about keeping the vehicle and decides to sell the vehicle even though they don't have a title. As a result a title skipping issue occurs.

Consequences When Selling Vehicles Without Titles:

While selling a vehicle without a title may not seem like a big deal, and the opportunity to escape DMV red tape may be tempting; the following outcomes occurs; should you decide to sell a vehicle without a title:

  • Fines and or imprisonment (as selling a vehicle without a title is illegal)

  • Dealers can lose their dealer license

  • Lawsuits can be brought on by the buyer who didn't receive a title from the seller/owner of the vehicle.

  • Lienholders can take legal action against their customer who decides to sell the vehicle without their consent-NO TITLE WAS CLEARED AND RENDERED.

While it may appear effortless to sell a vehicle without a title; a warning to those who choose to do so is that legal persecution and financial misfortune is around the corner should they avoid taking the legal path in obtaining a title.

Wisdom & Authority Title Solutions LLC is your title source and expert on basic and extremely complicated title matters.

©2015 Wisdom & Authority Title Solutions LLC. All Rights Reserved.


Posted on April 27, 2015 at 9:06 AM Comments comments (351)
In this sixth part series of Serious Auto Title Problems, the veil will be lifted off of culprits that cause DMV rejection, delays, and or financial loss due to title mishaps.  You are encouraged to follow these series from start to finish; as you or someone you know may encounter one or more of the situations covered.

At a glimpse, the first two segments that will be covered are:


©2015 Wisdom & Authority Title Solutions LLC


Posted on April 24, 2015 at 4:09 PM Comments comments (744)

So you come across a nice vehicle that's for sale?  It seems to be what you want and the seller even gives you a deal that you simply can't refuse.  There's only one thing...., the seller doesn't have the title to the vehicle.  In this first segment in the Serious Auto Title Problems series; I will highlight the reasons why someone would  buy a vehicle without a title, red flags to watch out for when buying a vehicle without a title and the consequences of buying a vehicle without a title.

Reasons Why People Buy a Vehicle Without a Title:

  • The buyer believes that they received too  much of a great deal on the vehicle to pass it up.  They buy out of urgency and desperation.

  • The buyer may believe that the vehicle is for parts only.

Red Flags to Watch Out for When Buying a Vehicle Without a Title:

The following red flags are usually present in a situation when an individual buys a vehicle without a title:

  • The seller is selling the vehicle at an amount that is significantly lower than book value.

  • A sense of extreme urgency to sell the vehicle is shown by the seller.

  • The seller stresses a Bill of Sale is ALL YOU NEEDin order to get a title from the DMV or there's the case in which the seller may  not even give you a Bill of Sale at all.

  • The sellergives excuses why he can't give you a title to the vehicle; i.e. the title is lost, destroyed, he's waiting on the title from the dealer, bank, etc.

  • The seller can't or won't give you any legitimate proof that they are the actual owner of the vehicle.

Consequences of Buying a Vehicle Without a Title:

Regardless of how sweet the deal is for the vehicle that you want, if there is no title present, you will open the door to the following consequences:

  • DMV will reject your transaction because you lack a title or a properly assigned title to the vehicle.

  • There is the possibility that a lien is on the vehicle.  If the lienholder recovers the vehicle; you will encounter financial loss.

  • The vehicle could be stolen.

  • Salvage issues could be present on the record of the vehicle.

In essence, count the costs when considering buying a vehicle without a title.  Even if you have a reason to believe that the vehicle is not stolen, there is no lien present, salvage issues, etc. there is always the high possibility that delays and financial loss will occur.

©2015 Wisdom & Authority Title Solutions LLC. All Rights Reserved.


Posted on April 18, 2015 at 3:06 PM Comments comments (566)

In this post, I will discuss the issue of tow companies not releasing vehicles, due to a lack of ownership (from the owner).  While it is no surprise to hear about a vehicle being towed due to abandonment, parking in the wrong zone, etc., there is another side to towing that most people don't regard.  The side that I'm talking about is when the owner of a vehicle is denied the release of their vehicle due to a lack of ownership proof (registration and or title) in their name.  For those of you who purchased a vehicle; but haven't titled and or registered the vehicle in your name yet, you might be wondering can a tow company withhold your vehicle if can't provide proof of ownership.  I'll answer that question shortly.  In this post, the following will be address: Can a tow company hold a vehicle if the "owner" has no proof of ownership?, Why tow companies won't release a vehicle without proof of ownership? and What to do if your vehicle is towed and you have no proof of ownership?

Can a Tow Company Hold a Vehicle If the Owner Has No Proof of Ownership?

You bought a vehicle and the vehicle was towed (possibly because you didn't have tags on it, maybe because you didn't get it around to getting the vehicle titled and registered), so can you just pay the tow bill and go on your merry way?  Technically no, because the fee is only a minor part of the situation.  The rest of your problem is proving ownership.  A tow company, legally can hold your vehicle if you fail to provide a proper title and or registration in your name for the vehicle; even if you are prepared to pay the tow fees.  If you buy a vehicle without a title or you don't have proof of the vehicle being registered to you, then you're in a situation where you'll have a challenge proving legitimated ownership.  Note: A BILL OF SALE WILL NOT WORK!!  Note: This is another reason why it's a bad idea to buy a vehicle without a title!!

Why Tow Companies Won't Release a Vehicle Without Proof of Ownership?

The reason why tow companies won't release a vehicle without proof of ownership is because of liability.  In essence if they release a vehicle and the alleged owner can't prove ownership, who's to say that the vehicle isn't stolen?  In continuation; should they choose to release the vehicle and it is in fact stolen; then they will be liable for damages that the Actual Owner has incurred from losing/or having their vehicle released to another party.

What to Do if Your Vehicle is Towed and You Have No Proof of Ownership?

If your vehicle is towed and you have no proof of ownership, the main thing to keep in mind is TIME.  Time is critical because tow companies can place a tow lien on a vehicle usually within 10-30 days of having the vehicle in their possession, however many may wait 30 days or a little longer before filing for a lien.

           Regard the Following:

  • Try to get the title from the person who sold you the vehicle, even if they have to go through the legal channels to get it done, so you can get the title transferred in your name! Note: Being that they sold you the vehicle without giving you a title (provided that you paid in full), they are responsible for giving you a properly assigned title!!

  • Ask the tow company for extra time (if possible) regarding your situation.

  • In the event you aren't able to generate a legal title and your vehicle is put up for auction, you can bid along with any other person that has an interest in your vehicle.

On a final note; should you choose to buy a vehicle without a title; you're essentially rolling the dice.  In the event your vehicle is towed and you don't have a legal title and or registration, there's the possibility that you could find yourself in the tow issue that was covered in this post.  Please be advised that the longer it takes for you to provide the tow company with proof of ownership, the less time you'll have in trying to get your vehicle back. 

Wisdom & Authority Title Solutions is available to assist you with your title situation today.

©2015  Wisdom & Authority Title Solutions LLC. All Rights Reserved.


Posted on April 6, 2015 at 9:22 AM Comments comments (724)

As a vehicle title specialist, I'm often asked the following by my clients (especially my new ones); why do I have to pay sales tax on my vehicle in order to get the title, I never paid sales tax on a vehicle before in Virginia, etc.  After hearing the sales tax issue pop up often, I feel the need to address this very important and often confusing issue.  In this segment, I'm going to address sales tax on vehicles titled in Virginia.  Issues that will be covered are: what is the sales and use tax is and the current rate, the difference between sales and use tax and personal property tax in Virginia and exemptions from being charged the sales and use tax fee.

What is the Sales and Use Tax on Vehicles in Virginia and What is the Current Rate?

The sales and use tax is a tax levied in the Commonwealth of Virginia on motor vehicles that are titled and will be used in the commonwealth.  The current  tax rate is 4.05% or a minimum of $75.00 (whichever is greater) based on the gross sales price of the vehicle.

The Difference Between Sales and Use Tax and Personal Property Tax on Vehicles Titled in Virginia:

The differences between sales and use tax and personal property taxes in Virginia are:

Sales Tax:

1. Remitted to the VA Department of Motor Vehicles
2. Is due at the time the vehicle is to be titled in Virginia (based on the gross sales price of the vehicle)
3. Is paid only one time, while the new owner/transferee is taking ownership of the vehicle

Personal Property Tax:

1. Remitted to the Commissioner of Revenue or (Finance/Tax Collectors Dept.) based on the city, town or county.
2. Is due yearly (based on the book value/depreciation value of the vehicle).  Note: Many localities also charge a motor vehicle "decal" fee.  White city decals are no longer used for many VA localities; you still must pay the decal fee, which is added to your personal property tax fee (DEPENDING ON YOUR LOCALITY).

Exemptions from Sales and Use Tax in Virginia:

The following are exemptions from sales and use tax fees in Virginia:









Note: This isn't a full listing of exemptions

As I end this segment, I want to add that if you are leasing a vehicle;  sometimes you may end of paying sales tax twice. For example, you will pay at the beginning of your contract and if you buy the vehicle out, you will be taxed again.  It is very important to know what your tax responsibilities are in your lease agreement.

If you have sales tax issues pertaining to a motor vehicle matter, Wisdom & Authority Title Solutions LLC is able to assist you. 

©2015 Wisdom & Authority Title Solutions LLC.  All Rights Reserved.