[brawlins]

I bought a car from a guy who had a lien on the car - Title was held by the bank. (This car was for my teenage son.) Here's how we worked the deal:
Car purchase price was $7500.
He owed the bank $3500.
I (not he) wrote a check to the bank to pay off the $3500 balance. (We called the bank together to verify the balance.)
I gave him $2000 immediately.
He gave me the car with a bill of sale specifying the terms.
I held the last $2000 back from him until he delivered the title to me.
He had no interest in keeping the title since I have the car and his last $2000.
I have no interest in stiffing him the last $2000 because I can't get a permanent license plate for the car until he gives me the title. Plus he knows where I live. (We did the deal at my house.)

So, when he got the title, he signed it over to me, and I gave him $2000.
Deal complete.