Lindsay Lohan insists she didn't steal that necklace -- she borrowed it.

She claims the bling was loaned to her and that she later returned it to a stylist, who forgot to return it on time -- more after the jump.

Before a search warrant could be conducted on Lindsay's Venice, California home, her own stylist returned the $2,500 necklace to the LAPD Tuesday night.

What do you think?  Do you think that this girl will ever get her act together?

SOURCE: TMZ