Well...
I got to the mall. I found the DMV branch. When the DMV first set up shop there a couple years ago, it was just a "DMV Express". Apparently, it eventually upgraded to a full-service DMV Branch. In any case...
The line to get in was out the door, but after look in, I realized there was a check-in information desk you had to go to first, so the line was only about 10 people deep. Not bad. Well...
After inquiring about obtaining duplicate title, the woman behind the desk informed me that there was a lien against/on my title, and it was from Ford Motor Financing. "Well, the car was paid off in 1998." -Well, there's still a lien, and you'll have to contact the lien-holder to get a letter stating that it's been removed. Then you can come back and get the duplicate title. Oy vey. Well...
I went ahead and found a relatively quiet spot in the mall, and after a few phone calls, and dealing with some very helpful customer service reps, I was able to get the lien removed. Of course, the letter will take a few days to get to me, but it's supposed to be mailed out tomorrow, so I should have it by the end of the week.
"So, even though the car was paid off, and I received a copy of the title already, there can still be a lien on it?"
-Yes.
"So, even though I've renewed my license for the past ten years, and renewed my plates too, the lien was never brought to my attention?"
-Yes, that's possible. You can renew and renew, but until you specifically ask about the title, then we can't tell you any information about it.
Hmm...
Fortunately, I did enquire about the possibility of this lien affecting my credit rating - and my Mom's credit rating since she was the co-signer on the loan. They said there was no "blemish", and that what most likely happened was that a payment was a day or two late, and the computer applied the lien. -Well, it would have been nice to know there was one, and that I had to apply to have it taken off. Well...
At least I took care of that. And that will also help get my timetable prepared for the next two weeks. -I think I'll head back down to Richmond two weekends from now. And once, I'm down there, I can take care of everything all at once! The title, the car, etc. *And, I'm just glad I did look into this, 'cause who knows what kind of problem that would have caused if I had already had found my original title, and then tried to donate the car earlier. Ah, well...
In any case, it's been a good day with good customer service reps for me. First e-Bay, then Ford Motors Financing.