Home : Home : 11 Ways To Safeguard Oneself From Home Title Theft

11 ways to safeguard oneself from home title theft

11 ways to safeguard oneself from home title theft

A home title is the most important legal document for owning a house. It is physical evidence of ownership of land, apartment, house, or other real estate. A title document includes information about the property, from boundaries to ownership history. One has to produce this document to rent out, issue a mortgage loan, or sell the property. But title theft is a real concern, and here are some ways to protect oneself from it.

Can a home title be stolen?
Yes, a title document can be stolen and misused. Home title theft may not always involve the physical theft of a paper document, but it can involve fraudulent actions that result in a theft of one’s rights related to the said property. Some common ways this is done include impersonating legal entities, breaching data, intercepting personal emails, hacking records and public Wi-Fi, and more.

How can a home title be misused?
The title deed is recorded in the local government’s land records or registrar’s office. A scammer may manipulate the record and use it to undertake property-related transactions. These transactions include registering a fake deed, selling or renting the property without the owner’s consent or knowledge, or obtaining mortgages. If left unreported or ignored, the valid property owner may face financial losses and be stuck with the burden of proving their ownership, which can quickly become a lengthy and costly legal process.

11 ways to protect oneself from home title theft
Here are some steps to safeguard against home title theft:

Regularly check the property title
Obtaining a copy of one’s property’s title from one’s local county recorder’s office or through an online service is advisable. One should review it for accuracy and ensure no unauthorized changes or transfers have occurred.

Title insurance
One of the best ways to secure one’s home title is to purchase insurance from a legitimate title company. This insurance policy can protect one in case of title fraud or other issues related to one’s property’s title. Title insurance can cover legal fees and any financial loss from fraudulent title transfers. There are two types of title insurance:

  • One for the buyer of a property called “owner’s title insurance.”
  • One for the property seller, called “lender’s title insurance.”

Secure personal information
Be cautious about sharing personal information, including driver’s license number, Social Security Number, and sensitive documents related to one’s property, with anyone unless trustworthy or verified. Not all those who pose as government officials may be legitimate.

Creating strong passwords and security measures
One should protect one’s online accounts and financial information with strong, unique passwords. One can use two-factor authentication wherever possible to add an extra layer of security and be wary of phishing emails or suspicious online links.

Regularly monitor credit
It’s essential to regularly check one’s credit reports for any unusual or unauthorized activity. If one notices anything suspicious, it’s essential to investigate and report it immediately.

Be wary of unsolicited offers
Do not entertain unsolicited offers or requests for personal and financial information, especially via phone, email, or any other medium. Scammers may attempt to gain access to one’s property title information.

Avoid sharing personal information on social media
Scammers can use personal information from social media profiles to piece together one’s identity and steal the property title.

Shred old documents before discarding
Many scammers often engage in dumpster diving, which means they look for discarded letters and documents containing sensitive information in trash cans. So, one should always shred documents before disposing of them so the information cannot be pieced together and misused later.

Keep home records secure
One should store important property-related documents, such as the property title, in a secure place like a locked safe or a bank safety deposit box.

Be wary of loan modification promises
Scammers may sometimes target struggling homeowners on the brink of foreclosure and call them with promises to modify their loan for an upfront fee. Be wary of such claims.

Stay informed
Many government agencies and consumer protection organizations provide information and resources to help recognize and avoid fraud. So, staying informed about the latest scams and new fraud tactics can safeguard one from potentially falling prey to title theft.

How do you know if the home title is stolen?
Here are some signs that can indicate one has been a victim of home title theft:

  • Getting unexpected bills on vacant property
  • Some items missing in one’s credit report
  • Receiving calls from lenders when one hasn’t reached out to any
  • Noticing movements or changes in one’s vacant property
  • Sudden hikes in one’s utility bills.

Immediate steps to take if the home title is stolen
Any suspicious activity related to one’s real estate title should prompt one to take the following steps:

  • Contact local police department: The individual should report the theft to their local police department, providing all available details.
  • Notify the recorder’s office: Contacting the local recorder’s office to report the title theft and request an investigation is essential.
  • Notify the creditors: One should inform one about the potential theft to one’s mortgage lender, creditors, or any other financial institution associated with the property.
  • Hire an attorney: Consulting with a real estate attorney is advisable to protect their interests and navigate legal actions.
  • Check and freeze credit: The person should monitor their credit for fraudulent activity and consider freezing their credit to prevent further fraud. A credit freeze can be done through Equifax, Experian, and TransUnion. These credit bureaus can be contacted through online forms, mail, or phone. This step prevents all unauthorized access to one’s credit unless the freeze is lifted.
  • Document everything: Keeping records of all communication, reports, and actions taken regarding the title theft is crucial as they can serve as legal documentation of one’s actions and interactions related to the title theft. They can also help track one’s progress related to the issue.

Most Popular

5 mistakes to avoid before bed for better sleep

5 mistakes to avoid before bed for better sleep

Have you ever woken up feeling tired and lethargic despite sleeping for seven to eight hours at night? It could be due to poor sleep quality. Disturbed sleep influences the rest of your day: how you think, your performance at work, and other tasks. The causes of poor sleep are many, including a faulty mattress, distractions in your room, or a heavy dinner. Avoiding the following mistakes before bed can help you sleep better: Staring at a screen Using gadgets close to bedtime is probably the most common mistake in the digital age. The blue light emitted from screens affects the production of a specific hormone responsible for inducing sleep and regulating the circadian rhythm. Apart from the blue light emission, the television or mobile phone sound can be a distraction that keeps you awake. High noise levels create lots of mental stimulation and disturbance, preventing the brain from shutting down. Hence, it is advisable to avoid using phones, televisions, and laptops for at least an hour before bed. Exercising Exercise is among the best solutions for good health, but you must do it at the right time. Physical activity late in the evening or at night hampers sleep patterns by increasing stress and raising body temperature.
Foods to be avoided by diabetes patients

Foods to be avoided by diabetes patients

Food gets broken down into glucose by the body to release energy for its functioning. Most meal plans combine fats, proteins, sugars, and other essential carbohydrates vital for healthy growth and organ function. However, people with diabetes should be careful about seemingly healthy foods as it can trigger a spike in their blood glucose levels. Here are different foods that are bad for diabetes and should not be eaten regularly: Various foods that are bad for diabetes patients Fruit juices and other drinks Sugar consumption via beverages can spike insulin levels drastically. Did you know that lots of seemingly healthy store-bought fruit smoothies, sports drinks, bottled juices, and sodas can spike blood sugar levels too? Also, natural fruit juices are not necessarily a healthy option as they are high in fructose. Aside from this, cola, iced tea, lemonade, and other flavored beverages are excessively high in carbs, sugar, and fructose. Their regular consumption can trigger insulin resistance, forcing healthy cells to reject insulin and extract glucose for energy. Another crucial thing to remember is to avoid any type of spirit if you have diabetes. These contain empty calories and can worsen the condition significantly. Cereals, yogurt, and dried fruits Daily breakfast cereals are fortified with essential vitamins and nutrients that make up for a wholesome meal.
3 foods to avoid for better lung health

3 foods to avoid for better lung health

Strengthening the lungs can help one avoid respiratory issues and diseases. Even when diagnosed with a lung-related illness, making significant changes to the lifestyle and food regimen can help people manage the symptoms and restore lung function. However, it is equally important to avoid the food items that damage these organs and cause issues like inflammation, sneezing, and wheezing. Here are a few foods to avoid to improve lung health: Salty food Foods with excessive salt should be avoided as their long-term consumption can have severe consequences on the overall health. Excess sodium in such food items can enlarge the muscles of the heart, cause headaches, increase blood pressure, and lead to a wide range of kidney-related issues like stones. Such foods can also have a negative effect on the health of the lungs and have been linked to an increased risk of bronchitis. Additionally, too much salt in meals can also worsen the symptoms of respiratory issues like asthma. This is because sodium can cause fluid retention, leading to shortness of breath in those with lung diseases. To reduce its intake, one should start by limiting salt in their meals and instead add more herbs and spices as seasoning.
Migraine – Ways to manage the condition

Migraine – Ways to manage the condition

Migraine headaches are a devitalizing experience. It completely saps the person of energy and prevents them from being productive during these episodes. There is usually a build-up to a migraine attack which is different for every individual. The phase before the actual migraine attack is known as the aura, and people may report seeing flashes of light or experiencing a tingling sensation. Below are some options for treating migraine headaches: Treatment options Nurtec Nurtec is a treatment option that helps relieve some symptoms of migraines. It reduces the severity of headaches and sensitivity to light. Nurtec is usually taken on alternate days to prevent migraines and other pain associated with the condition. Ubrelvy Ubrelvy, a fast pain-relief, is a treatment option that blocks calcitonin gene-related peptide (CGRP) in the body. CGRP is associated with migraine attacks, and suppressing it goes a long way in treating the condition. Excedrin This pain reliever does not just treat migraine headaches but also pain in other parts of the body. Excedrin provides fast pain relief to the patient. Qulipta Qulipta is a treatment option that helps prevent migraines over a more extended period. However, medical professionals do not recommend this treatment option to people suffering from kidney or liver problems.
4 easy tips to keep dogs free of ticks and fleas

4 easy tips to keep dogs free of ticks and fleas

A pet’s fur can be the perfect breeding ground for fleas and ticks. These pests can annoy your pet throughout the day. Such parasites can also cause several health problems like Lyme disease and skin infections in dogs and humans. Fortunately, pet care experts have developed several ways to rid these critters of your furry friend. Here are four handy tips that help with managing flea and tick infestations in dogs: Initiate a treatment plan If your pet develops a pest infestation, the first and foremost thing to do is get them on a treatment plan. Here are a few prescriptions that can be helpful: Bravecto® (Fluralaner) This prescription for dogs comes in two types: a chewable option or a topical solution. Bravecto is approved by the FDA and works on dogs and puppies at least six months of age who weigh at least 4.4 pounds. If you pick the chewable option for your pet, it must be given with their food once a month. Alternately, the topical solution must be applied once every 12 weeks. You can also check out special offers on Bravecto’s website for attractive discounts on their products. Simparica Another recommended treatment for fleas and ticks is the FDA-approved chewable from Simparica.

Popular Articles

5 mistakes to avoid while using vacuum cleaners
Home
01

5 mistakes to avoid while using vacuum cleaners

Vacuum cleaners are one of the most reliable home cleaning appliances. With the help of the machine, cordless or corded, one can get rid of dirt, cobwebs, and allergens found around the house. The device is used for cleaning purposes, therefore, it is vital to handle the vacuum cleaner correctly for optimal usage. That said, not everyone knows how to use a vacuum cleaner efficiently. Below are the common mistakes made while using them: Failing to empty or clean dust bags and filters It is important to empty and clean vacuum dust bags regularly. Failing to do so can affect the efficiency of the vacuum cleaner. Despite vacuuming, if you still notice dust stains on the carpet or the floor, it’s an indicator to empty the dust bag. Another tell-tale sign for the removal of dust bag is when your vacuum cleaner seems to be losing its suction power. The frequency of emptying the vacuum bags will depend on how often you use the device. A full vacuum dust bag will lead to an accumulation of dust and the breeding of bacteria and germs in the bag. Many latest models are equipped with disposable bags that are much more convenient.
Read More
How to manage osteoporosis and improve bone health
health
02

How to manage osteoporosis and improve bone health

Osteoporosis is a condition that makes the bone brittle and weak. When severe, even slight pressure caused by coughing, bending over, or falling can cause a fracture. Such fractures are predominant in the spine, wrist, or hip. Osteoporosis occurs if the new bone fails to keep up with the loss of the old bone. It affects men and women, but post-menopausal women are more susceptible. Let’s discuss the correct osteoporosis treatment and management plan: Treatment plan Prolia It is a prescription treatment plan for relieving osteoporosis in women post-menopause who cannot use other options or have not responded well to prior treatment and are susceptible to fractures. Doctors will prescribe it for at least six months. Prolia helps treat both men and women. However, professionals do not recommend it for pregnant women, women trying to get pregnant anytime soon, or people with low blood calcium. Further, those allergic to denosumab or any other Prolia ingredient must avoid it. Evenity Evenity helps with osteoporosis in two ways: it slows down bone loss and helps build new bone simultaneously. It is an FDA-approved treatment for osteoporosis that comes as a prefilled, single-use syringe with solution. But Evenity may have severe side effects.
Read More
10 human foods that are safe for dogs
Pets
03

10 human foods that are safe for dogs

Many pet owners tend to share their own food with their pets. After all, it can be hard to say no to the puppy eyes watching you while you cook or eat. However, humans and dogs metabolize food differently, and so, what is safe and healthy for you can be dangerous for your four-legged companion. So, here are a few safe and delicious human foods that even dogs can enjoy: Peanut butter Not just us, even dogs can’t get enough of peanut butter. Fortunately, it is safe for dogs and contains nutrients like healthy fats, vitamins B and E, protein, and niacin. However, it is high in fat and calorie content, so overindulgence can lead to health issues. Also, plain peanut butter that does not contain added sugar, salt, or artificial sweeteners, should be offered to dogs. Chicken Cooked chicken, without bones and spices, can be a perfect meal for canines. It is one of the best sources of protein, making it one of the most common ingredients in dog foods. Cooked chicken bones should never be given to your pets as these bones can splinter and lead to choking. Carrots Carrots can be your go-to choice for veggies that can be shared with dogs.
Read More