I am lucky around here, the local tax assessors office, that's who handles titles and such, is pretty good about working with you to get your title sorted. But I live in a rural area and I don;t think I ever spent more than 10 minutes in line,

My behoove you to just go down there and talk to them. I could tell you the process I had to go thru to get a bonded title in Texas, or Arizona for that matter. None of which is relevant to your state's process.