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To obtain vehicle title documents, ensure there are no liens on the vehicle records. If there is a lien, it must be released for the DMV record. A lien holder's name is placed on the title as the lender, even if the lien is paid off. The DMV may not be aware of the lien clearance, as lenders often just sign the title and mail it. If a duplicate title is needed, the DMV may not issue one if the lien is still recorded, even if it is old. The DMV legally cannot remove the lien from the title without a separate lien release from the lender.