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You file for a lost/duplicate title at your States motor vehicle department. The bank may have sent a lien release to them on payoff. If not and the title still shows a lien by the bank, you conatct the State Department of Banking who will tell you how to contact who is handling the old affairs of the bank (the bank may have closed for new business, but just like the closing of the bank would not have eliminated the debt, it and many other business dealing continue in full force, the business affairs were either taken over or sold to another one, or has a caretaker that is auhtorized to resolve issues like this). If the loan was paid off, the records still exist and that entity will provide the release of lien.

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Q: How do you sell a car that has a lost title and you have no proof that it is paid off because the bank that held the lien is out of business?
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