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what you will need to do is make sure you either get enough to cover the payoff, not the payments but the actual payoff at this point in time. if the car doesnt sell for that you will need to go to your local credit union and get a small personal loan to cover the difference. going from 10k to say 2k in debt is worth it. then you tell the person you are selling it to that you will be getting the title from the loan company then giving it to them. you give them a bill of sale and take them to the dmv to get a temp tag. they can drive it like that till you get the title from the holding company
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