Include the complete name and address of the lienholder on the duplicate title application. It can take up to six weeks or more to have the lien removed from your car title and make it officially yours.An auto loan payoff letter is just a way to prove that you have paid in full for a car. If you are selling your vehicle, often the buyer will ask to. 26. How do I obtain a Payoff Letter or a Lien Release? To obtain a Payoff Letter or a Lien Release please fax your request to 312.747.