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so I did get a title for a vehicle which has a lien recorded against it this is dave at cartitles.com a lien holder title is exactly thats a title thats currently held by the bank or lender or is encumbered by that bank or lender meaning that the title has that stamp or has that record that the lien holder is claiming that as collateral for their loan in many cases the lien may have been paid the account may have been paid to zero but the bank hasnt released that lien from the title in some cases theres still a balance owing the bank is under no obligation to assist an owner a purchaser a title holder in removing that lien if its requested they sometimes will issue a lien release if they can find that the loan is paid off in many cases the records have been purged if its an old lien in some cases a vehicle is presented to us where the lien is still in place on the vehicle the prior owner the borrower who is paying that loan decided not to pay it anymore they may have abandoned i