Not recommended, but I've made this work before. thing need to go right, or nothing happens.
Call the bank which has the title in their hand(BofA may have it filed in a regional branch). Tell them they have a payoff coming on the vehicle, and give them a absolute date, and ask for a 'full pay off' for that date. Tell them to get the title to a location(usually the bank) where they can accept payment. The bank will whine, but in most states they are required by law to produce valid title for a payoff if you give them a few days notice.
Now, arrange with the seller to have cash or cashiers check drawn on a local bank with him when you meet at the bank. Same with your check or cash. Insure it all adds up to the payoff from the bank. Hand them the checks and the Bill of Sale document. The bank officer will sign the lien release, and give it to you, and they and the seller will sign the bill of sale.
Take your title, keys, and bill of sale and pay the fees for title and transfer to your name. It's not easy, it's not fast, but it can be done. Banks aren't usually helpful, but I've had luck with Chase and Wells Fargo doing this, and BofA can get it done too.
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Today's Featured Article - Upgrading an Oliver Super 55 Electrical System - by Dennis Hawkins. My old Oliver Super 55 has been just sitting and rusting for several years now. I really hate to see a good tractor being treated that way, but not being able to start it without a 30 minute point filing ritual every time contributed to its demise. If it would just start when I turn the key, then I would use it more often. In addition to a bad case of old age, most of the tractor's original electrical system was simply too unreliable to keep. The main focus of this page is to show how I upgr
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