premise: Although the late fee was under $ 3 , I could n't help thinking this was all a ploy to charge me a late fee . In 2007 , I paid off my car and received an envelope from Toyota . It included a very official - looking form that I was under the impression was my title , since it looked so official and had information on my car . It also included a white form that had the word " lien " on it . What may be your reason for thinking the late fee was a ploy ?
hypothesis: The form did n't have the information for my car .