Discovering that the title to your property has been changed without your consent can be alarming and stressful. Title fraud can have serious implications if not addressed promptly. Here are the basic steps to follow if you find yourself in this situation:
- Confirm the Change
Before taking any further action, ensure that the title change is legitimate and not a clerical error. Obtain a copy of the title from the county recorder’s office or through an online property records search to verify the alteration. - Contact the County Recorder’s Office
Notify the county recorder’s office or the relevant local authority immediately upon confirming the title change. They can provide information on the process for disputing fraudulent changes and may offer initial advice on steps to take. - File a Police Report
Report the fraud to your local police department. Provide them with all relevant documentation, including the copy of the altered title and any correspondence or records that indicate fraud. A police report is crucial for both legal and insurance purposes. - Notify Your Title Insurance Company
If you have title insurance, inform your title insurance company about the fraudulent change. They can guide you on the claims process and may assist in rectifying the issue. Title insurance policies often cover legal expenses related to title disputes. - Consult a Real Estate Attorney
Engage a real estate attorney experienced in title disputes and property fraud. An attorney can provide legal guidance, help navigate the complexities of property law, and represent you in any necessary legal proceedings to restore the correct title. - Alert Your Mortgage Lender
If you have a mortgage on the property, notify your lender immediately. Lenders have a vested interest in the property and may offer support in resolving the issue. They may also need to take steps to protect their financial interest in the property. - Monitor Your Credit Report
Title fraud can sometimes be part of broader identity theft. Check your credit reports for any unusual activity and consider placing a fraud alert or credit freeze on your accounts to prevent further fraudulent activity. - Correct the Title
Work with your attorney and the county recorder’s office to initiate the process of correcting the title. This may involve filing a lawsuit to quiet title, which seeks a court order to confirm you as the rightful owner and to nullify the fraudulent title change. - Prevent Future Fraud
Once the title is corrected, take steps to prevent future fraud. Consider enrolling in a title monitoring service, which can alert you to any changes in your property records. Additionally, ensure that all your personal information is secure and review your property records periodically. - Stay Informed and Vigilant
Educate yourself about property fraud and stay vigilant. Being aware of the risks and knowing the signs of title fraud can help you act quickly if it happens again.
Conclusion
Discovering an unauthorized change to your property’s title can be a daunting experience. However, by taking these immediate and proactive steps, you can work towards resolving the issue and safeguarding your property rights. Prompt action, legal support, and vigilance are key to addressing and preventing title fraud effectively.