Tennessee Code Annotated

Tenn. Code Ann. § 55-3-125 (2026)

Liens and encumbrances - Filing

✓ current as of May 2026
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No conditional sales contract, chattel mortgage, or other lien or encumbrance or title retention instrument upon a registered vehicle, other than a lien dependent upon possession entered into after March 1, 1951, or a lien of the state for taxes established pursuant to title 67, chapter 1, part 14, shall be valid against the creditors of an owner or subsequent purchasers or encumbrancers, until the requirements of this section and § 55-3-126 have been complied with, unless such creditor, purchaser, or encumbrancer has actual notice of the prior lien.

Acts 1951, ch. 70, § 68 (Williams, § 5538.168); Acts 1978, ch. 686, § 3; T.C.A. (orig. ed.), § 59-326.


Notes of Decisions
Cited in 18 cases, 1980–2005 · leading case: Still v. First Tennessee Bank, N.A., 900 S.W.2d 282 (Tenn. 1995).
Still v. First Tennessee Bank, N.A., 900 S.W.2d 282 (Tenn. 1995). · cites it 3× “I Tenn.Code Ann. § 55-3-125, originally enacted in 1951 and amended in 1978, provides as follows: 55-3-125 Liens and encumbrances— Filing No conditional sales contract, chattel mortgage, or other lien or encumbrance or title retention instrument upon a registered vehicle .”
Norwood v. Crabtree (In Re Crabtree), 39 B.R. 713 (Bankr. E.D. Tenn. 1984). · cites it 10× “§ 544 (a) (1979); Tenn. Code Ann. § 55-3-125 (1980); Tenn.Code Ann.”
Keep Fresh Filters, Inc. v. Reguli, 888 S.W.2d 437 (Tenn. Ct. App. 1994). · cites it 2× “Tenn.Code Ann. §§ 55-3-125, -126(b). When Did Keep Fresh Filters’ Lien Arise? The rights of a hen creditor hinge upon identifying the precise point when its hen arises.”
In Re Ridley, 50 B.R. 51 (Bankr. M.D. Tenn. 1985). · cites it 3× “§§ 55-3-125 (1980) and 55-3-126 (Supp.1984).”
Waldschmidt v. Miracle Motors (In Re Haynes), 28 B.R. 136 (Bankr. M.D. Tenn. 1983). · cites it 2× “See Tenn.Code Ann. § 55-3-125 (repl. vol. 1980).”
Apex Oil Co. v. Tims (In Re Armstrong), 56 B.R. 781 (W.D. Tenn. 1986). · cites it 2× “9-302(3), (4), Tenn.Code Ann. § 55-3-125 (1980); Still v.”
Waldschmidt v. Smith (In Re York), 43 B.R. 36 (Bankr. M.D. Tenn. 1984). · cites it 2× “§§ 55-3-125 and 55-3-126 specifically address the requirements for perfecting liens on motor vehicles: No conditional sales contract, chattel mortgage, or other lien or encumbrance or title retention instrument upon a registered vehicle, other than a lien, dependent upon…”
Farmer v. Green Tree Servicing LLC (In Re Snelson), 330 B.R. 643 (Bankr. E.D. Tenn. 2005). · cites it 3× “” Tenn. Code Ann. § 55-3-125 (1997). Section 55-3-126, as it existed in 1997, provides in material part: (a) A lien or security interest in a vehicle of the type for which a certificate is *651 required shall be perfected and shall be valid against subsequent creditors of the…”
Hamilton Bank of Morristown v. Bank of Com. (In Re Morristown Lincoln-Mercury, Inc.), 25 B.R. 377 (Bankr. E.D. Tenn. 1982). · cites it 3× “Tenn.Code Ann. § 55-3-125 (1980) — Liens and encumbrances — Filing.”
Walker v. Ford Motor Credit Co. (In re Clark), 112 B.R. 226 (Bankr. E.D. Tenn. 1990). · cites it 4× “§ 55-3-125 and § 55-3-126(a) address the requirements for perfecting liens on motor vehicles: No conditional sales contract, chattel mortgage, or other lien or encumbrance or title retention instrument upon a registered vehicle, other than a lien dependent upon possession…”
In Re Ramey, 93 B.R. 136 (Bankr. E.D. Tenn. 1988). · cites it 3× “1988), the Tennessee legislature provided alternative methods by which security interests in motor vehicles may be perfected in Tennessee: (1) by compliance with the Tennessee motor vehicle laws requiring registration and applications for certificates of title with the secured…”
Farmer v. LaSalle Bank (In Re Morgan), 291 B.R. 795 (Bankr. E.D. Tenn. 2003). “(d) The method provided in this section and § 55-3-125 of obtaining a lien or encumbrance upon a motor vehicle, .”
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