call the lienholder first and see if they still have it. if they do you're good to go. If they don't have it, check with the state and see if it's in your name (vs. the lienholder) and if it's in your name then just apply for a new title. If it's still in the lienholders name then you'll have to get something from them saying you have paid off the lien and then you should be good to go. not a problem just a bit of extra legwork to get it sorted out.