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So it's a little nuanced because generally
the FBI keeps track of the amount in

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fraud versus the amount of cases.
And then also there's there's two things.

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First of all, title theft can
be multiple things at once, right,

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someone steals your title and then they
are taking on a mortgage on your home.

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So when these fall into the category
of real estate fraud, they can

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often be a combination of more than
one crime. You are listening to Carrie

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Let's's Financial Survival Network where you get
valuable information you just can't find anywhere else

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00:00:31,600 --> 00:00:37,439
to thrive in today's trying times.
You need the Financial Survival Network now more

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00:00:37,479 --> 00:00:42,640
than ever. Go to Financial Survivalnetwork
dot com and get your free newsletter and

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00:00:42,719 --> 00:00:52,960
gift. Financial Survival Network now more
than ever. And welcome you are listening

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to and watching the Financial Survival Network. I'm your most Carrie Let's. Well,

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hey, there's this a new crime
that's been sweeping the nation. Actually

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it's not that new. When I
was an attorney, came across it several

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times. Basically, people take out
mortgages on your home, or they even

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go so far as to transfer your
home and then sell it to others.

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And you know, you'll probably win
in court, but what you're left with

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is a mess on your hands.
And there's a service out there that really

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can eliminate, virtually eliminate the possibility
of home title fraud and it is I

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think you're going to be really interested
home title loock dot com. You might

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have seen it advertise. Got somebody
from the company here who is going to

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basically take us through the process and
explain, you know, the risks involved

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and how you stop it. Natalie
Dominue as you are with home title lock.

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So, hey, how big a
problem is this? I guess that's

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the first question you know when it
comes to how the problem is it really

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is? How big do you want
the problem to be? It's all about

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time, energy, money, things
that we should not have to deal with

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because of our protocols when filing our
home titles with the county and keeping our

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records safe. Title theft is a
form of real estate fraud where thieves transfer

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the title of your home out of
your name so that they can eleborate,

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leverage your home equity, or even
sell your home behind your back. We've

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even see cases where people pretend to
be the landlords on the home and then

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take rent from a bunch of people
and just make up with the cash.

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So it's really all about protecting your
home, equity and your financial future.

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How much does it happen around the
country? How many? Is it hundred

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and its thousands, tens of thousands, how much? So it's a little

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nuanced because generally the FBI keeps track
of the amount in fraud versus the amount

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of cases. And then also there's
two things. First of all, title

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theft can be multiple things at once, right, someone steals your title and

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then they are taking on a mortgage
on your home. So when these fall

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into the category of real estate fraud, they can often be a combination of

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more than one crime. And then
second, law enforcement also states that the

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numbers are likely much higher than we
even think because in many cases, depending

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on the jurisdiction, they aren't even
being considered crimes. They're just civil matters

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that are being decided in court over
in oh or excuse me, in court

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from a judge, and they aren't
being prosecuted criminally and therefore are being ordered

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accurately. So it's a pretty big
number, but it's I think, a

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lot bigger than we even fully know. It can be years before you even

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find out that you are a victim, right, Yep, absolutely, we

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see it constantly. What's like,
the worst one of these you ever saw,

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Natalie, So, the worst one
that I've seen so far was a

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woman from LA and I feel really
bad for her. She was disabled,

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she was in poor health, she
was elderly, she was at our house

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for thirty years. We actually went
and we interviewed her her lawyer afterwards.

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But what happened was she got a
notice in the mail from the county because

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her account LA County had free alerts. But it didn't happen until months later

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after this had happened. So by
this time, Sawn had already taken out

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a huge mortgage on her home and
got a bunch of different people involved.

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They went to a notary, They
hired a woman to pretend to be her,

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They made a fake ID for her, They got the notary stamps,

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so they got these documents, documents
filled out, notarized legally. They just

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faked the person that was, you
know, notarizing them. Then went in

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got the mortgage, took off with
like, if I remember correctly, was

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like one hundred thousand dollars in cash. So it took over three years to

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finally get to the point where they
were getting her house back, and then

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she had to put her house up
for collateral for the legal bills. So

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like, you're getting your house back
and then your you know, possibility of

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losing it at the same time.
It's horrible she won the battle and lost

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the war there as it were.
So, yeah, that's pretty egregious here.

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And so what does home title lock
do exactly? So, home title

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lock is basically like a smoke alarm
for your house. Anytime anything is filed,

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any property records, any leans on
your home. We twenty four to

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seven monitor all of your property records. We alert you if any of those

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things are filed. So even if
it's you, if you go in and

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you're like, hey, I took
a mortgage out on my house, something

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gets filed with the county, even
if it's you, you will be alerted.

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But the moment it's fraud, you
call us, and our US based

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team of restoration experts are going to
fix the problem for you. You don't

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have to worry about fighting a lawyer, filing a police report, doing any

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of those things. We take care
of it. Because if you go to

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the county, you don't have home
title lock and you say, hey,

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I got this notice in the mail
that's six months ago. Someone transferred my

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idol out of my name. This
is fraud. They're going to say,

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sorry, you're a lawyer, I'll
play work. There's nothing we can do.

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It's been legally filed. So that's
what we do is we give you

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peace of mind that no matter what, you're going to get taken care of,

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and you're not standing in a county
office being told you're on your own.

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You always file a police report on
these I can't say that there are

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instances where you wouldn't. However,
we have seen multiple times where they filed

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police reports and the police tell them, hey, sorry, there's nothing that

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we can do, which is actually
exactly what happened in the beginning with that

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story that I just told you of. Finally, not until they've become aware

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that it's a ring, a widespread
criminal ring. I've seen them busted in

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New York n more of times,
or even they even had people in the

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courthouse in on the scam, and
you know it was millions and millions of

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dollars. They'd find properties that were
empty, that had been empty for a

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long time, and then they would
go. I don't know if they were

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doing mortgages or just selling them,
but a good title searcher should be able

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to find a split on the chain
of title. But then again maybe not.

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Well. I mean we hear as
well from the other side. You

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know, I have identity theft protection
or I'm already monitoring things under my name,

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or wouldn't I get a notice from
the bank. I'm not going to

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approve this. They don't have my
records. But if your title is transferred

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out of your name into someone else's, they're not looking at you anymore.

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Your name isn't even on the house, but they will come knocking on your

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door when they want a loan to
be repaid. Yeah. Yeah, So

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this is pretty wide spread, and
so what kind of services do you have

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to help you avoid this fate?
So our company offers what we call triple

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lock protection. You lock in your
peace of mind again and stop monitoring alerts

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and restoration services. And one thing
that's really cool is once you sign up

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with us, and even before you
can call us and ask us any questions,

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look at our website. We post
articles, we post information you want

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to learn more about the process.
We can definitely help you with that,

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but we additionally help subscribers with anything
they find. So with our service,

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you are going to get a title
report and actually we have an offer for

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your listeners today. I can repeat
it at the end again. If you

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go to our website and use free
thirty, they can get a free title

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report, look and make sure that
everything is good with their title. There's

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nothing that they don't know that exists
currently, you know, any you know,

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zombie mortgages or anything like that.
They can check on their title,

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make sure everything looks good, and
then they get thirty days of free protection.

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So the great thing about our team
is that we not only answer questions

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and make sure that people are comfortable, we also have instances where, you

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know, we had someone call us
the other day and say, hey,

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my wife's name is not my title
but it should be. There was a

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mistake of the county, or they
mistype something, they spelled a name wrong.

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So our team will also help with
those things to make sure that everything

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is in order. It's not just
instances of fraud, but that is our

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main objective. We want to keep
your house safe. They spell your name

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wrong, could be a major problem
to correct in deeds and affidavits and stuff.

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I've had it happen to me personally
where the name got spelled wrong and

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like three months worth of nonsense.
Somebody's head and rolled for that, But

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for me, I didn't care.
But it's important that your home be recorded

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properly for a number of reasons.
Yeah so all right, So tell us

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the website, tell us the discount
code and how we sign up www dot

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00:09:33,320 --> 00:09:37,279
com, titlelock dot com. Go
to the website, check it out,

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00:09:37,360 --> 00:09:41,159
sign up using free thirty. You're
going to get thirty days of protection for

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00:09:41,240 --> 00:09:43,240
free. You're going to get a
title scan and it's going to tell you

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00:09:43,320 --> 00:09:48,080
everything that's currently there that's on record
that we can find. If you have

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00:09:48,240 --> 00:09:52,159
any questions, any concerns, you
call us immediately and we can answer any

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00:09:52,240 --> 00:09:56,559
questions that you have. It's home
title lot dot com three thirty all right,

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00:09:56,639 --> 00:10:01,960
beautiful and the link is in the
show notes interview on Financial Survival Network

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00:10:03,000 --> 00:10:05,279
dot com. If you got any
questions about this, you could shoot me

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00:10:05,320 --> 00:10:09,480
an email. We'll get you an
answer real quick. Kl at Carrie LUTs

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00:10:09,519 --> 00:10:13,200
dot com. While you're at the
site, please sign up for your free

145
00:10:13,240 --> 00:10:16,279
newsletter. You get deals like this
and a lot of other money saving,

146
00:10:16,360 --> 00:10:22,879
money making advice, and it's Financial
Survival Network dot com. Just click the

147
00:10:22,960 --> 00:10:26,559
newsletter put in your email. That's
it. We don't want names. If

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00:10:26,559 --> 00:10:28,840
you want to give us your first
name, you can, but we don't

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00:10:28,879 --> 00:10:33,279
need it. And Natalie appreciate you
coming on. We're giving us some insight

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00:10:33,360 --> 00:10:41,039
into what appears to be a very
widespread and the kind of intractable problem.

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00:10:41,080 --> 00:10:45,480
I've been seeing this issue as a
former practicing attorney for thirty years, and

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I'm sure with the electronic record it's
the ability to literally look up anybody's title

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00:10:50,759 --> 00:10:56,399
in the world here in the United
States online, it's just made it much

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easier. Absolutely. Plus a lot
of people don't realize that the counties,

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00:11:01,200 --> 00:11:05,399
even though they have certain things in
place for your personal information that is redacted

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00:11:05,519 --> 00:11:09,080
or what have you, they try
to protect against data breaches, but they

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00:11:09,120 --> 00:11:13,480
also sell your information to third parties, like if you ever used id ME,

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00:11:13,399 --> 00:11:18,399
that information is coming directly from those
county databases and they do not have

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00:11:18,519 --> 00:11:24,879
liability if those those third parties have
data breaches. So our information it's all

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00:11:24,919 --> 00:11:28,639
out there. Nothing is secure.
Nothing is the especially with all of the

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cyber theft and AI and everything's getting
so crazy. There's no way that we

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00:11:33,480 --> 00:11:39,159
can really stop things from happening to
us, right, So we just have

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to make sure that we are protected
in any way we can be. Yeah,

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and Florida is the leading state for
data sales because literally everything that Florida

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00:11:50,159 --> 00:11:54,960
files is online. They might have
stuff redacted. They might have things that

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00:11:54,000 --> 00:12:01,360
are sealed, like family court matrimonial
court records, but everything else is out

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00:12:01,360 --> 00:12:05,759
there. They'll seal the social Security
number so you only have like the last

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00:12:05,799 --> 00:12:09,480
four digits, or they might only
have the first five digits. I don't

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00:12:09,480 --> 00:12:15,840
remember how it works in Florida,
but everything Florida is the sunshine state when

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it comes to public records. That
sunshine is shining the brightest in this state.

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So definitely, the potentials there were
major mayhem. You need to stop

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00:12:26,320 --> 00:12:30,000
it. When Ken, the link
will be in the show notes. Don't

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00:12:30,000 --> 00:12:33,639
forget the discount code that'll be there
too. Hey, Natalie, appreciate you

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00:12:33,679 --> 00:12:35,679
coming by and we'll talk to you
again soon. Absolutely, thanks so much

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00:12:35,679 --> 00:12:39,600
foray, thanks for having me on, Thanks for listening to carry Lenz's Financial

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00:12:39,679 --> 00:12:46,039
Survival Network. Your solution to today's
trying times For the latest, go to

177
00:12:46,200 --> 00:12:52,480
Financial Survivalnetwork dot com. Financial Survival
Network now more than ever