In the US, a vehicle doesn't belong to someone free-and-clear if there are any liens against it. Mechanics and car loans are the primary users of this process.

In the US, a vehicle doesn't belong to someone free-and-clear if there are any liens against it. Mechanics and car loans are the primary users of this process. With leased vehicles, there's no conveyed ownership per-se because it's a glorified rental. Might need Steve Lehto to weigh-in on how much "ownership" there is in America.