You can't just walk in and "borrow" jewelry from Kamofie & Company -- the place Lindsay claims loaned her the allegedly stolen necklace -- because we're told, there's TONS of red tape to get through first.
The jewelry store owner Sofia tells TMZ, "When we loan out
jewelry, we have a whole procedure that needs to be done. There is
paperwork that needs to be filled out and there needs to be insurance
information given or credit card information in case something happens
with the jewelry."
We're told the paperwork entails an itemized list of what the customer
is borrowing, a signed contract claiming responsibility for the item
while it's out of the store, and credit card and insurance information in case anything goes wrong.
According to Sofia, the store RARELY deals directly with celebs -- "The
stylist will come in and ask to borrow the jewelry for a shoot or an
Sofia wouldn't comment on the Lindsay situation -- but
the surveillance tape could be the smoking gun here if it shows Lindsay
signing any paperwork ... or not.