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When dealing with vehicle title documents, ensure there are no liens on the record. To have a lien released for a DMV record, the lien holder must apply or place their name as the lien holder. Even if you paid off the lien or loan, the DMV may not know about the clearance. The lender may have just signed the title without informing the DMV. If getting a duplicate title, the DMV may not issue one if they see an old lien. Legally, the DMV can't remove the lien from the title without a separate lien release directly from the lender.