i have always done the same as spankaveli, except here in MI even with a lein the title is in the car owners possesion, so all i did was take the title as well as the buyer and/or money to the bank and they signed off on the title and it was clean and clear...

as for yours being with the car company, i would call the place you send your payments too, my guess is they would send all the paperwork to the dealership you purchased from and they could handle the transfer of funds...