So it's a little nuanced because generally the FBI keeps track of the amount in
fraud versus the amount of cases. And then also there's there's two things.
First of all, title theft can be multiple things at once, right,
someone steals your title and then they are taking on a mortgage on your home.
So when these fall into the category of real estate fraud, they can
often be a combination of more than one crime. You are listening to Carrie
Let's's Financial Survival Network where you get valuable information you just can't find anywhere else
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to and watching the Financial Survival Network. I'm your most Carrie Let's. Well,
hey, there's this a new crime that's been sweeping the nation. Actually
it's not that new. When I was an attorney, came across it several
times. Basically, people take out mortgages on your home, or they even
go so far as to transfer your home and then sell it to others.
And you know, you'll probably win in court, but what you're left with
is a mess on your hands. And there's a service out there that really
can eliminate, virtually eliminate the possibility of home title fraud and it is I
think you're going to be really interested home title loock dot com. You might
have seen it advertise. Got somebody from the company here who is going to
basically take us through the process and explain, you know, the risks involved
and how you stop it. Natalie Dominue as you are with home title lock.
So, hey, how big a problem is this? I guess that's
the first question you know when it comes to how the problem is it really
is? How big do you want the problem to be? It's all about
time, energy, money, things that we should not have to deal with
because of our protocols when filing our home titles with the county and keeping our
records safe. Title theft is a form of real estate fraud where thieves transfer
the title of your home out of your name so that they can eleborate,
leverage your home equity, or even sell your home behind your back. We've
even see cases where people pretend to be the landlords on the home and then
take rent from a bunch of people and just make up with the cash.
So it's really all about protecting your home, equity and your financial future.
How much does it happen around the country? How many? Is it hundred
and its thousands, tens of thousands, how much? So it's a little
nuanced because generally the FBI keeps track of the amount in fraud versus the amount
of cases. And then also there's two things. First of all, title
theft can be multiple things at once, right, someone steals your title and
then they are taking on a mortgage on your home. So when these fall
into the category of real estate fraud, they can often be a combination of
more than one crime. And then second, law enforcement also states that the
numbers are likely much higher than we even think because in many cases, depending
on the jurisdiction, they aren't even being considered crimes. They're just civil matters
that are being decided in court over in oh or excuse me, in court
from a judge, and they aren't being prosecuted criminally and therefore are being ordered
accurately. So it's a pretty big number, but it's I think, a
lot bigger than we even fully know. It can be years before you even
find out that you are a victim, right, Yep, absolutely, we
see it constantly. What's like, the worst one of these you ever saw,
Natalie, So, the worst one that I've seen so far was a
woman from LA and I feel really bad for her. She was disabled,
she was in poor health, she was elderly, she was at our house
for thirty years. We actually went and we interviewed her her lawyer afterwards.
But what happened was she got a notice in the mail from the county because
her account LA County had free alerts. But it didn't happen until months later
after this had happened. So by this time, Sawn had already taken out
a huge mortgage on her home and got a bunch of different people involved.
They went to a notary, They hired a woman to pretend to be her,
They made a fake ID for her, They got the notary stamps,
so they got these documents, documents filled out, notarized legally. They just
faked the person that was, you know, notarizing them. Then went in
got the mortgage, took off with like, if I remember correctly, was
like one hundred thousand dollars in cash. So it took over three years to
finally get to the point where they were getting her house back, and then
she had to put her house up for collateral for the legal bills. So
like, you're getting your house back and then your you know, possibility of
losing it at the same time. It's horrible she won the battle and lost
the war there as it were. So, yeah, that's pretty egregious here.
And so what does home title lock do exactly? So, home title
lock is basically like a smoke alarm for your house. Anytime anything is filed,
any property records, any leans on your home. We twenty four to
seven monitor all of your property records. We alert you if any of those
things are filed. So even if it's you, if you go in and
you're like, hey, I took a mortgage out on my house, something
gets filed with the county, even if it's you, you will be alerted.
But the moment it's fraud, you call us, and our US based
team of restoration experts are going to fix the problem for you. You don't
have to worry about fighting a lawyer, filing a police report, doing any
of those things. We take care of it. Because if you go to
the county, you don't have home title lock and you say, hey,
I got this notice in the mail that's six months ago. Someone transferred my
idol out of my name. This is fraud. They're going to say,
sorry, you're a lawyer, I'll play work. There's nothing we can do.
It's been legally filed. So that's what we do is we give you
peace of mind that no matter what, you're going to get taken care of,
and you're not standing in a county office being told you're on your own.
You always file a police report on these I can't say that there are
instances where you wouldn't. However, we have seen multiple times where they filed
police reports and the police tell them, hey, sorry, there's nothing that
we can do, which is actually exactly what happened in the beginning with that
story that I just told you of. Finally, not until they've become aware
that it's a ring, a widespread criminal ring. I've seen them busted in
New York n more of times, or even they even had people in the
courthouse in on the scam, and you know it was millions and millions of
dollars. They'd find properties that were empty, that had been empty for a
long time, and then they would go. I don't know if they were
doing mortgages or just selling them, but a good title searcher should be able
to find a split on the chain of title. But then again maybe not.
Well. I mean we hear as well from the other side. You
know, I have identity theft protection or I'm already monitoring things under my name,
or wouldn't I get a notice from the bank. I'm not going to
approve this. They don't have my records. But if your title is transferred
out of your name into someone else's, they're not looking at you anymore.
Your name isn't even on the house, but they will come knocking on your
door when they want a loan to be repaid. Yeah. Yeah, So
this is pretty wide spread, and so what kind of services do you have
to help you avoid this fate? So our company offers what we call triple
lock protection. You lock in your peace of mind again and stop monitoring alerts
and restoration services. And one thing that's really cool is once you sign up
with us, and even before you can call us and ask us any questions,
look at our website. We post articles, we post information you want
to learn more about the process. We can definitely help you with that,
but we additionally help subscribers with anything they find. So with our service,
you are going to get a title report and actually we have an offer for
your listeners today. I can repeat it at the end again. If you
go to our website and use free thirty, they can get a free title
report, look and make sure that everything is good with their title. There's
nothing that they don't know that exists currently, you know, any you know,
zombie mortgages or anything like that. They can check on their title,
make sure everything looks good, and then they get thirty days of free protection.
So the great thing about our team is that we not only answer questions
and make sure that people are comfortable, we also have instances where, you
know, we had someone call us the other day and say, hey,
my wife's name is not my title but it should be. There was a
mistake of the county, or they mistype something, they spelled a name wrong.
So our team will also help with those things to make sure that everything
is in order. It's not just instances of fraud, but that is our
main objective. We want to keep your house safe. They spell your name
wrong, could be a major problem to correct in deeds and affidavits and stuff.
I've had it happen to me personally where the name got spelled wrong and
like three months worth of nonsense. Somebody's head and rolled for that, But
for me, I didn't care. But it's important that your home be recorded
properly for a number of reasons. Yeah so all right, So tell us
the website, tell us the discount code and how we sign up www dot
com, titlelock dot com. Go to the website, check it out,
sign up using free thirty. You're going to get thirty days of protection for
free. You're going to get a title scan and it's going to tell you
everything that's currently there that's on record that we can find. If you have
any questions, any concerns, you call us immediately and we can answer any
questions that you have. It's home title lot dot com three thirty all right,
beautiful and the link is in the show notes interview on Financial Survival Network
dot com. If you got any questions about this, you could shoot me
an email. We'll get you an answer real quick. Kl at Carrie LUTs
dot com. While you're at the site, please sign up for your free
newsletter. You get deals like this and a lot of other money saving,
money making advice, and it's Financial Survival Network dot com. Just click the
newsletter put in your email. That's it. We don't want names. If
you want to give us your first name, you can, but we don't
need it. And Natalie appreciate you coming on. We're giving us some insight
into what appears to be a very widespread and the kind of intractable problem.
I've been seeing this issue as a former practicing attorney for thirty years, and
I'm sure with the electronic record it's the ability to literally look up anybody's title
in the world here in the United States online, it's just made it much
easier. Absolutely. Plus a lot of people don't realize that the counties,
even though they have certain things in place for your personal information that is redacted
or what have you, they try to protect against data breaches, but they
also sell your information to third parties, like if you ever used id ME,
that information is coming directly from those county databases and they do not have
liability if those those third parties have data breaches. So our information it's all
out there. Nothing is secure. Nothing is the especially with all of the
cyber theft and AI and everything's getting so crazy. There's no way that we
can really stop things from happening to us, right, So we just have
to make sure that we are protected in any way we can be. Yeah,
and Florida is the leading state for data sales because literally everything that Florida
files is online. They might have stuff redacted. They might have things that
are sealed, like family court matrimonial court records, but everything else is out
there. They'll seal the social Security number so you only have like the last
four digits, or they might only have the first five digits. I don't
remember how it works in Florida, but everything Florida is the sunshine state when
it comes to public records. That sunshine is shining the brightest in this state.
So definitely, the potentials there were major mayhem. You need to stop
it. When Ken, the link will be in the show notes. Don't
forget the discount code that'll be there too. Hey, Natalie, appreciate you
coming by and we'll talk to you again soon. Absolutely, thanks so much
foray, thanks for having me on, Thanks for listening to carry Lenz's Financial
Survival Network. Your solution to today's trying times For the latest, go to
Financial Survivalnetwork dot com. Financial Survival Network now more than ever