50-state matrix Every packet resolved from a pinned, cited state-rules matrix — never model general knowledge

The most rigorous out-of-state title packet a dealer can submit — correct on the first pass, in every destination state.

PlateReady is a done-for-you out-of-state title and registration desk: upload the deal jacket and we return a certified, destination-state-correct packet — correct taxes and fees, correct forms, every required signature flagged before the customer leaves the store — then track the submission and cure every rejection until the plate issues and the lender's lien is perfected. Flat per-deal pricing, never hourly.

Requirements resolved from a pinned 50-state matrixTaxes and fees computed by rule, then cross-checkedEvery required signature flagged before deliverySenior specialist certifies every packetGovernment money passed through at cost, never marked up
Why titles age

Every out-of-state deal hands your one-state title clerk another state's tax math, forms, and lien rules — to execute perfectly on the first try.

The buyer drives home, the temp tag starts counting down, and every missing signature becomes a FedEx round-trip. Deadlines slip, lenders hold funding on unperfected liens, and the aged-title drawer grows.

It grows until a floorplan auditor — or a state enforcement action like Connecticut's against Carvana — asks about it. The cost is real: expired-tag liability, funding-hold carry, penalties by state, and re-rejections that reset the clock.

PlateReady closes that gap with one standard applied to every deal: a certified, destination-state-correct packet the state accepts on the first pass.

First pass
the target on every certified packet — zero re-rejections for our own errors
The benchmark

Measured against the letter of the destination state's own rules — resolved from a pinned matrix, never guessed.

PlateReady does not title from memory. Every requirement, form, fee, tax, and deadline is resolved only from a versioned 50-state matrix — each rule carrying a citation and effective date and pinned to the deal; matrix gaps route to a human, never to model general knowledge. These are the regimes each packet is held to.

50-state DMV titling & tax matrix (versioned)

Resolved from the pinned matrix

Requirements, forms, fees, taxes, and deadlines are resolved only from the pinned matrix version, each rule carrying a citation and effective date. A matrix gap routes to NEEDS_HUMAN, never to the model's general knowledge.

Destination-state tax & deadline rules (matrix-pinned)

Tax situs and deadlines in code

Taxes are computed by deterministic per-jurisdiction calculators from the matrix, and submission windows and temp-tag countdowns are pure date arithmetic — never estimated, and an independent AI pass cross-checks every figure.

49 CFR Part 580

Federal odometer disclosure

Odometer disclosure is required and format-checked per destination state, including the electronic-disclosure transition. A disclosure defect is a blocks-submission flag, not a cosmetic one.

Texas HB 718; Tex. Transp. Code (webDEALER)

Dealer-submission mandate & windows

Dealer sales are titled via webDEALER with 60-day buyer plates issued at sale and a 30-day dealer submission window; the deadline math and SLA timers live in the deterministic layer.

16 CFR Part 314 (FTC Safeguards Rule)

NPI in every deal jacket

Deal jackets contain consumer NPI; encryption, least-privilege access, and subprocessor controls flow down to PlateReady, and no jacket moves over a plain-text channel.

Cal. Veh. Code §§ 11400–11413

The licensed-channel gate

Compensated third-party processing in restricted states requires a license or partner; the submission channel and any license ID are logged on every licensed-channel submission.

How a packet is built

Intake to issuance, with deterministic gates the AI cannot overrule.

AI extracts, retrieves, assembles, and drafts; code does the math; a senior title specialist certifies. Deterministic calculators compute every tax and fee and an independent AI cross-check re-derives them — any mismatch blocks certification. That order is never reversed.

01

Out-of-State Exposure Scan

Send your DMS aged-title report and last 90 days of out-of-state deals. Within 48 hours you get a written memo: units at risk, penalty exposure by state, expired-tag liabilities, funding-hold carry, and the three fastest cures.

02

Jacket intake & extraction

The deal jacket is extracted to a canonical schema with per-field confidence. Low-confidence fields and any VIN, odometer, or name-chain conflict route to a human before the packet is built.

03

Requirements resolved from the matrix

Required forms, evidence, signatures, notarization, inspections, lien-perfection steps, submission channel, and deadlines are resolved from the pinned state matrix, each item citing its rule.

04

Taxes and fees computed, then cross-checked

Deterministic per-jurisdiction calculators itemize tax, title, registration, and county fees; an independent AI pass re-derives the inputs, and any mismatch blocks certification.

05

Deficiency detection & certification

A missing signature on a delivered deal is a blocks-submission defect. The packet does not ship until a senior specialist certifies it with a signed record: name, timestamp, matrix version, and calculator hash.

06

Submission, tracking, cure, perfection

Filed through the correct channel — the dealer's own webDEALER/ERT account or a licensed partner — then tracked, every rejection cured, and the lien-perfection confirmed to the lender.

The bar we hold

Rigor you can measure.

Certified
Every packet, before it ships
Signed record: name, timestamp, matrix version, calculator hash.
Cited
Every requirement
Resolved from a pinned matrix; gaps route to a human, never guessed.
At cost
Government fees
Passed through with receipts; PlateReady never marks up government money.
Packet vs. state
Time tracked separately
We own packet time; state processing time is theirs, and shown as theirs.
Why PlateReady

Built to be the most accurate packet a state DMV sees from your store.

Matrix-grounded, by design

Every requirement, form, and fee traces to a cited, effective-dated rule in a versioned state matrix. A gap becomes a human review, not a guess.

Deterministic, not vibes

Taxes and fees are computed in code and independently cross-checked. A computation error cannot pass certification, and if our figure is ever wrong we pay the difference.

In its lane, on purpose

PlateReady is a private processing service acting as your agent. We are not a law firm, accountant, or DMV, give no legal or tax advice, and refuse residency-structuring and Montana-LLC schemes in writing.

Engagement

Flat per unit of work. Never hourly, never a cut of government money.

State taxes, county fees, and shipping are pass-through at cost with receipts — a clean line between our fee and government money.

  • A free Out-of-State Exposure Scan first — units at risk, penalty exposure by state, expired-tag liabilities, funding-hold carry, and the three fastest cures.
  • Aged Title Rescue at $345 average per rescued unit (banded $245–$495); invoiced on issuance, not on submission.
  • Per-deal desk from $119 (complex-state $179, 24-hour rush $249), or a monthly desk subscription at $995 / $1,995 / $3,495.
  • First-submission promise: a packet we certified that is rejected for our error is cured free and that unit's fee refunded; if our computed figure differs from the state's due to our error, we pay the difference.
FAQ

Questions, answered precisely.

Is PlateReady a law firm or a DMV?
No. PlateReady, a service of Your Deputy, Obuke LLC, is a private document-processing service acting as an authorized agent of the dealer. It is not a law firm, accounting firm, or government agency, and does not provide legal, tax, or financial advice. Title disputes and lien-priority questions are referred to licensed counsel.
Will you help with a Montana LLC to save my buyer sales tax?
No. PlateReady does not provide or assist with residency structuring, Montana LLC registration arrangements, or any strategy whose purpose is avoiding taxes lawfully owed to the buyer's home jurisdiction. We refuse that business in writing.
How do you handle the taxes and fees?
Computed by deterministic, per-jurisdiction calculators from the pinned state matrix, then independently cross-checked before submission. Government taxes and fees are passed through at actual cost with receipts, never marked up; if our computed figure differs from the state's final figure due to our error, we pay the difference.
Who submits — you or my store?
Submissions run through the dealer's own state accounts (webDEALER/ERT) under written agent-of-dealer authorization, tracked mail, or a licensed partner where a state requires one; the channel and any license ID are logged on every submission.
What does the free Out-of-State Exposure Scan involve?
Send your DMS aged-title report and last 90 days of out-of-state deals. Within 48 hours you get a written memo: units at risk, penalty exposure by state, expired-tag liabilities, estimated funding-hold carry, and the three fastest cures, plus a 15-minute readout.

See your out-of-state title exposure before an auditor does.

Start with a free Out-of-State Exposure Scan. Send your aged-title report and last 90 days of out-of-state deals and we'll return a written memo on units at risk, penalty exposure, and the fastest cures.

Private agent-of-dealer service · not legal or tax advice · not a government agency · government fees passed through at cost.

[PLACEHOLDER] Pilot clearance rate on the aged out-of-state title list — our target is 80% of rescued units cleared within 30 days with zero re-rejections on certified packets. The real measured rate appears here once the first pilot dealers complete a cycle.

[PLACEHOLDER] First dealer reference — added only with a named pilot dealer's written permission. PlateReady never invents a testimonial or a dealership logo.

[PLACEHOLDER] Total out-of-state titles cleared to date — a live, auditable count once real units have been registered, never estimated.