This estoppel letter MUST be sent within 14 days of the request or there is a risk of sanctions, including monetary penalties. How do I get a payoff for a lien?Please visit Liens and Searches for contact information to request Lien Payoff information. Finance. Your bank or other lending institution will send you the title in the mail along with a letter saying your loan is paid in full. The bank is required to prepare and record in the public records where the property is located a "satisfaction of mortgage."