[Steve Carlton]

Here's what I'd recommend:

1. Have the owner call Capitol One and get the exact payoff procedure AND have him give Capitol One his permission for you to discuss and verify this with them.

2. Then verify every step yourself. Sounds like doing this with a manager is advisable. Verify if you're getting a title or if it's paperless.

3. Verify with Oregon DMV that you're getting everything you need to satisfy their requirements to title the car. See if they need a smog check or VIN verification, etc.

4. Ask how to insure the title is sent to you. Verify that a bank check will work with no delays. Perhaps certified funds works better, or is that the same thing?

5. Have all the documents and check ready to go with a FedEx envelope ready to send. Meet your buyer and exchange the car for the FedEx package and his equity (if not sent to Capitol One). Both of you witness the FedEx package go into a dropbox or a FedEx station. Don't hand the check to the guy and trust him to send it. He doesn't want to trust you to send it, either. Perhaps the seller would like to verify your funds are legitimate.

6. Call Capital One to verify they received the package and they are sending the title to your address.