That's not what is going on here.
The wait time is because the current owner obviously financed the bike. He has to pay off the balance and then the bank/finance company has to send the paper work down to another department which then finalizes the account closure, processes the paper work, and then retrieve the title to send out to the owner. Once the owner receives the title in hand, he then can sign it over to the new owner who then can take it to the DMV to have a new title issued out reflecting the new owner as the owner of the bike.
There's no way around this process. The only way I've heard to speed it along is fi the bank is local and they happen to have the title there or can push through the processing faster being that you are dealing with a local representative and assuming the processing department is also somewhat local.
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