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The Electronic Lien and Title Program, (ELT), is a paperless method by which the MassDOT-RMV Division and a lending institution (lienholder) can exchange vehicle and title information via a Service Provider.
Contact the lender holding the Lien to electronically release the title. The Department will not release a lien or security interest that is electronically recorded.
A title can be printed and mailed to you from the DOR while the lien is active or at the time of release. By default, when an electronic lien is released in Georgia it gets printed and mailed by the Georgia Department of Revenue Motor Vehicle Division.
If the vehicle was financed and the original owner still owes payments on it, the lender may hold the title. Most buyers want a clean title. This means if the vehicle was financed, the lienholder is removed from the title prior to the sale.
The Electronic Lien and Title (ELT) program provides paperless vehicle titles to participating financial institutions.
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New Yorks Electronic Lien Transfer (ELT) Program provides an electronic method for the Department of Motor Vehicles (NY DMV) and lienholders to exchange lien data.
O.C.G.A. 44-14-364 states in pertinent part that the owner of the real estate or the contractor employed to improve the property may discharge the lien by filing a bond in the office of that clerk. Thus, only the property owner or the contractor may bond around a lien placed on the real property in question.
The lienholder signs the title in the lien release section, then sends it to the owner. At that time the owner may decide to apply for a new title that does not show the lien or to keep the title as is.

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