A lien-holder is the bank or finance company that you financed your vehicle through. Usually, their name will be on your repair check along with your own name. (in the pay to the order of area of the check.)The lien-holder has to sign off on the check for the repairs and along with your signature we can accept that check. We can assist you in getting the lien-holder paperwork and getting the lien-holder to sign off. If you have any questions, please contact our office.