Most people worry about stealing the bike or their car – not their home.
But this is exactly what happened to D’Ampo Turner when the squatters took over her home Phoenix and sold her without her knowledge.
“It feels so surreal,” shared Turner in an interview with ABC 15 Arizona. “I feel like I’m in the twilight area.
But it happened. After Turner’s ex-husband, Keith-A-Haul Trucker-Left, unattended house for a period of time, two foreigners, Aaron polemannaer and Lededera Hollen, forced their way.
After they were inside, they found personal documents belonging to Turners, new counterfeit and received their identity.
“Squatters stole my house,” Turner said, still in disbelief. “They actually move, possess as me and sold my house.”
With fraudulent handmade documents, the polemannaer and Hollen ranked successfully and sold home to real estate investors for $ 200,000 – all without knowing Turners.
They might have been removed with him as well, but they got into trouble when trying to check money written on the names of Turners.
Polmanteer and Hollen are now waiting for the trial, and Turner’s home has returned to the right hands. But history underlines a growing tendency of criminals selling property without the homeowners who know about it. Here’s how to maintain yourself against this worrying crime.
What is the title fraud?
Your keys give you physical access to your home, but your title provides your legal right to it. This right is registered in a offense, the legal document that proves who holds ownership.
In a legitimate real estate transaction, the transfer of the title is carefully supervised by a real estate agent, a title and notary company to ensure that everything is properly documented.
But fraudsters know how to manipulate the system, sometimes slipping through these undiscovered protective measures.
Just ask Turner. Forgetting the documents and imposing it and its ex-husband, Polmanteer and Hollen were able to deceive a title and notary company.
At a time when Turner realized what had happened, the property had already changed his hands on paper.
When Turner without forged documents, she was surprised. “This is not my name, and that’s not my signature,” she said in an interview with ABC 15 Arizona. “How does this happen? At what point does anyone do his job?”
How to Protect Your Property from Title Fraud
The title fraud is increasing and can happen to anyone, but properties that are free or mortgage-free are at greater risk.
Without proactive protective measures, homeowners may not reveal that their title was stolen until long after its changed hands.
Monitor your property
Monitoring your property is essential to fight the theft of the title. Many districts, including Maricopa district where Turner’s home is located, provide free announcements whenever a document is registered in your name.
This means if someone fraudulently presents a transfer of the offense to your property, you will be notified immediately, enjoying a chance to notify the authorities.
Another way to catch the trick before it happens is to create a simply Google notice for your address.
Bad actors sometimes list stolen properties for sale before homeowners realize that something is wrong. A Google notice will notify you any address is mentioned online.
Work with a reliable title company
The task of a title company is to ensure that a property change hands from the seller to the buyer without hidden issues such as fraud.
As part of this process, they conduct full research in the history of property, controlling outstanding mortgages, debts, judgments or unpaid taxes that may affect ownership.
After confirming that a title is clear, the company compiles a title report and issues the title Security, which protects buyers from financial or legal trouble whether hidden claims or fraud surface – as in the case of Turners.
While fraud is not always preventable, securing the title can serve as a financial safety network, encouraging that homeowners and buyers have not left paying for someone else else else else else else else one else else else.
Protect your home and personal information
The fraudsters who stole the Turners’ home were able to do so after entering personal documents that helped them create ownership records.
Whether your home is occupied or free, taking precautions can simply help prevent this type of theft:
- Keep the works, mortgage documents and personal identification in a closed location closed or another secure place as a security deposit box.
- If you own a second home, you are moving or you will be away for prolonged periods, do not leave behind tax forms, bills or personal documents.
- Use a closed mailbox or a box yes to prevent mail – a common method used in identity fraud.
What to do if you suspect title fraud
If you think someone has violated your home title, act quickly. The sooner you catch fraudulent activities, the better your chances of recovering ownership.
- Check your property data: Visit your county’s registrar’s office to review the most recent work. If you notice any unauthorized changes, report it immediately and request a copy of the fraudulent document.
- Submit a police report: Title fraud is a serious crime. Contact the implementation of the local law and, if necessary, specialized inquiry units for fraud. If identity thefts or integral transactions are included, you may need to warn of the general attractions of your state or FBI.
- Consult a real estate lawyer: An atmosphere that specializes in property and fraud disputes can help you navigate the legal process of recovering your title, submitting the necessary documents and potentially taking civil action against those responsible.
- Notify the title company: If a title company was involved in the fraudulent transaction, notify them immediately. Many agencies have fraud departments that may be able to help restore illegal transfer.
By acting quickly and at the level of proper legal and investigative resources, you can work to restore your property.
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