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Started By
Message
re: Having your home title stolen
Posted on 2/25/25 at 1:29 pm to junior
Posted on 2/25/25 at 1:29 pm to junior
quote:
The thing I don't understand is why homeowners are the victim.
Jack "steals" my home and getsa lona from the bank- shouldnt it be the bank who’s on the hook? Shame on them for falling for the scam.
That’s correct. I think the post above yours summarizes this perfectly.
The bank fell for the scam, not you. You’ll have to do some work but you can/should stop them from making their problem your problem.
This post was edited on 2/25/25 at 1:29 pm
0
Posted on 2/25/25 at 1:31 pm to back9Tiger
quote:Yeah I'd go down shooting before I let someone just take my home like that. A bunch of good ole baws would probably do the same thing
Don't know but the thought of that is some scary shite.
Posted on 2/25/25 at 1:32 pm to wheelr
Are you a salesman for one of these companies?
Posted on 2/25/25 at 1:34 pm to Lake08
I have a buddy who works for a big investment firm who does title insurance investment. He said it's the highest margin returns they get because the payout are essentially zero.
Posted on 2/25/25 at 1:39 pm to Trevaylin
quote:
But Hannity pushes these commercials all the time.
Breaking news???
Posted on 2/25/25 at 1:41 pm to OweO
quote:
Are you a salesman for one of these companies?
We all have questions about title fraud.
How could someone steal my home? Thanks to digitization, everything a thief needs can be easily accessed online.
What happens when my title is stolen? Fake documents are filed with your county, transferring your title out of your name.
What can a criminal do with my title? The scammer uses the equity in your home to take out loans or even sells the home.
How can a bank foreclose if it was fraud? The criminal and the cash are gone. You are now faced with a financial and legal nightmare of proving you are the victim of a crime.
Homeowners can take practical steps to mitigate the risks of title fraud by staying informed, regularly monitoring property records, and employing security measures. Remember, a calm and informed approach is key to navigating the complex landscape of property ownership. Take a deep breath, educate yourself, and take proactive steps to safeguard your home with Home Title Lock.
Posted on 2/25/25 at 1:43 pm to jizzle6609
quote:Every "home owner". A mortgage doesn't affect ownership.
How many folks you think outright own a house?
Posted on 2/25/25 at 1:47 pm to AlxTgr
Posted on 2/25/25 at 1:48 pm to AlxTgr
The county where I live has started a program to help fight it. It's just another step added, but for a one time fee of $35 sounds worth it.
This project started due to the many taxpayers that approached the Assessor asking for an additional layer of security for their property ownership. We realized that most fraud begins with a change of address. The Assessor’s office wanted to ensure that the property owners are the only ones who can change their address. The unofficial change of an address could be fraudulent and might result in the property owners not receiving tax notifications, which could then result in a delinquency or ultimately a lien. The concern is that a property might be “stolen” by virtue of this fraud.
The solutions to this concern are limited. However, the County Assessor’s office has implemented a new program where a taxpayer can file a notarized affidavit requesting that they are the only authorized agent that can change the mailing address on a property. Once the notarized affidavit is submitted, the address can only be changed with a second notarized affidavit with the new address.
This project started due to the many taxpayers that approached the Assessor asking for an additional layer of security for their property ownership. We realized that most fraud begins with a change of address. The Assessor’s office wanted to ensure that the property owners are the only ones who can change their address. The unofficial change of an address could be fraudulent and might result in the property owners not receiving tax notifications, which could then result in a delinquency or ultimately a lien. The concern is that a property might be “stolen” by virtue of this fraud.
The solutions to this concern are limited. However, the County Assessor’s office has implemented a new program where a taxpayer can file a notarized affidavit requesting that they are the only authorized agent that can change the mailing address on a property. Once the notarized affidavit is submitted, the address can only be changed with a second notarized affidavit with the new address.
Posted on 2/25/25 at 2:11 pm to jizzle6609
quote:
How many folks you think outright own a house?
Mainly super old people who are the main target kf internet scams.
Posted on 2/25/25 at 2:12 pm to jizzle6609
quote:Common amongst the elderly.
How many folks you think outright own a house?
Posted on 2/25/25 at 2:19 pm to LemmyLives
quote:
Start fast forwarding through commercials. There is no crime, and no need to own gold or silver. It's typical scare the old folk tactics.
Y’all always complain about how diverse commercials are but the company films one commercial for daytime and night time tv and only diverse people watch daytime tv
It just makes sense
Posted on 2/25/25 at 2:22 pm to dakarx
If someone stole your Soc Sec number, made false i.d., forged acredit app, and purchased a car in your name, who would be out the money? Not the victim.
Posted on 2/25/25 at 2:25 pm to dakarx
Title insurance only protects the lienholder
Posted on 2/25/25 at 2:34 pm to jizzle6609
quote:ZERO because of property taxes.
How many folks you think outright own a house?
Posted on 2/25/25 at 2:37 pm to wheelr
Hey chicken,
These ads are getting ridiculous. This is the 2nd time I've read this same commercial in this thread
These ads are getting ridiculous. This is the 2nd time I've read this same commercial in this thread
Posted on 2/25/25 at 2:41 pm to Clyde Tipton
quote:
Your first clue may only be a seizure/foreclosure notice if the thief uses your own address.
If you have a current mortgage on the property, there should be an active UCC lien on the property, so I assume your mortgage company would get notice if someone else tried to attach themselves to the property
Wouldn't the property tax bill be the next notice? No deed for a new owner, so the assessor's office would need to update the tax rolls
Also, how does this work with insurance. Would homeowner policies get notices of additional liens/notes?
Posted on 2/25/25 at 2:52 pm to Weekend Warrior79
quote:
Wouldn't the property tax bill be the next notice?
If they use your same address. However many people own property elsewhere that the tax bill goes to their home address, so there is no requirement that the tax billing address matches the home address. Think about rental properties, timber or other agricultural use property, etc.
quote:
No deed for a new owner, so the assessor's office would need to update the tax rolls
Also, how does this work with insurance. Would homeowner policies get notices of additional liens/notes?
That is the part about moving quickly to borrow against the property. Between government workers, the insurance company etc., it buys the thief enough time to steal the equity before red flags go up.
Posted on 2/25/25 at 2:57 pm to Clyde Tipton
quote:
However many people own property elsewhere that the tax bill goes to their home address, so there is no requirement that the tax billing address matches the home address. Think about rental properties, timber or other agricultural use property, etc.
Good point. But it should raise some questions if you don't receive a tax bill; but that would give them more time to run their scam since you most likely would not catch it right away. Hell, may even take a few missed payments before realizing it if you have enough rentals
Posted on 2/25/25 at 3:08 pm to Lake08
It’s a scare tactic scam about a fictitious scam. Just another monitoring service to extract money by installing fear.
If a bank falls for and issues a fraudulent loan, that’s on them. You are not borrowing money, a fraudster is.
If a bank falls for and issues a fraudulent loan, that’s on them. You are not borrowing money, a fraudster is.
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