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 - Trailering Your Tractor - by Curtis Von Fange. One of the fun things of summer and fall are the parades and tractor shows that go on across America. Many owners of tractors travel long distances to attend these shows and they usually take their restored iron along with them. Safe trailering practices and inspections will ensure that the event is a fun one. A good habit to develop when using a trailer is to give that �quick look over� before taking it on a trip. Before hooking up to it check the tongue for proper operation. The latche
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