I was going to buy her car but she can't find the title?

[nh500sl]

I was going to take a three hour bus ride to buy a car last weekend. the lady called me the night before and told me that she could not find the title. I later learned that she was going to go to the DMV and get a lost title application and have it filled out and pay for it.

I'm not confortable with this situation in that if she got a loan on the car, it seems like she might be trying to hide the lean in trying to get a new title. Is this sensable, or I'm I just worrying. I just don't see how one could possibly not retain a title to their own car.