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To obtain vehicle title documents, ensure there are no liens on the vehicle records. If a lien exists, it must be released for the DMV to generate a clear title. The lien holder's name will be on the title even if the loan is paid off, as the DMV may not be aware of the lien release unless you have the proper documentation. If the lender simply signed the title and sent it to you, and you lost it, the DMV still holds the lien record. Thus, they may reject requests for a duplicate title if a lien is still recorded, even if it's been paid off years ago. The DMV requires a separate lien release from the lender to officially remove it from the title.