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You can’t just walk in and “borrow” jewelry from Kamofie & Company.

That’s the position of the store Lindsay Lohan claims loaned her the necklace she’s accused of stealing. There’s red tape to get through first, the store claims.

The jewelry store owner tells TMZ, “When we loan jewelry, we have a whole procedure that needs to be done. There’s paperwork that needs to be filled out.”

BAD BANDIT: Will Lindsay Lohan slip through the fingers of justice?

So did Lindsay the Jewel Thief abscond with a $2,500 piece on purpose, or was it all a misunderstanding? The latter isn’t likely, according to a source.

Additionally, the owner notes, “there needs to be insurance information given or credit card information in case something happens with the jewelry.”

The paperwork entails an itemized list of what the customer is borrowing and a contract claiming responsibility for the item while it’s out of the store.

A credit card and insurance information are left as collateral, as well.

 
According to the store, they rarely deals directly with celebrities, either: “The stylist will come in and ask to borrow the jewelry for a shoot or an event.”

As we reported yesterday, proving she stole it may prove difficult, but the surveillance tape could help – or hurt – Lohan’s attempt to weasel out of this.

Theoretically, it should show Lindsay signing the paperwork … or not.