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Ok you sAid you did a bankruptcy 5 years ago you must have filed a reaffirmation agreement to keep making payments and kept the bike out of your bankruptcy. Not sure about your state but in Michigan we always have the title showing the lender as first secured party all we receive from our lender is a notice of pay off.
Maybe check with your state DMV services. In California, the title goes to DMV once it is paid off. DMV then sends the titel (eventually) to the owner.
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