Hi again, and thanks for the clarification.
Based on what you wrote, the lender's lien would still be valid. The fact that the car was totaled would not act to release the lien if the lender was not paid in full. In addition, the bankruptcy would not act to release the lien since bankruptcy can only eliminate non-consensual liens.
However, the lien does not last forever. The lender must repossess the vehicle within 4 years or the statute of limitations
expires. Once the statute of limitations expires, then you can take this issue to court to have the lien removed. However, you may want to simply contact the lender and ask what it will take to remove the lien. It may be possible to negotiate a settlement of some kind (i.e., you pay the lender $X, and the lender releases the lien). Depending on what you can negotiate, that may be cheaper than waiting out the statute of limitations and then filing a lawsuit.
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