Acceptable proof of ownership includes not only the title but also the registration card. The title will show the lien holder information, but in some states the registration card does not have the lien notation. If that is true of your registration, then you can get a permit without dealing with the lien-holder letter. Otherwise, you will need the letter.
(This post was edited by Rolly on Feb 7, 2004, 9:22 AM)