Legal Steps to Take If You Suspect Property Fraud
Property fraud is a serious crime that occurs when scammers forge documents to transfer ownership of a home without the owner’s knowledge. These fraudulent transactions can lead to eviction threats, financial losses, and legal battles. If you suspect your property has been tampered with, it’s crucial to act quickly. Knowing the right legal steps can help you protect your home and reclaim your ownership.
Step 1: Check Public Records
If you suspect fraud, start by reviewing your property’s title with your local county recorder’s office. Look for any unauthorized changes in ownership, such as a new name on the deed. If you receive unexpected mail regarding a mortgage, loan, or tax notice for a property you still own, investigate immediately. Keeping an eye on your property records is the first step in identifying potential fraudulent activity.
Step 2: Report the Fraud Immediately
Once you confirm a fraudulent transaction, report it right away. File a police report to create an official record of the crime. Notify the county recorder’s office, your mortgage lender, and homeowners’ insurance company. It’s also a good idea to alert the Federal Trade Commission (FTC) and state real estate fraud units. Quick action increases your chances of stopping further illegal activity before more damage occurs.
Step 3: Place a Fraud Alert
Prevent further fraudulent transactions by placing a fraud alert or hold on your property title. Many counties offer property fraud alert services that notify you of any changes made to your deed. If identity theft is involved, contact the major credit bureaus (Experian, Equifax, and TransUnion) to place a fraud alert on your credit report. This prevents scammers from taking out loans or selling the property under your name.
Step 4: Take Legal Action
If a fraudulent transfer has already occurred, you may need to file a quiet title lawsuit to remove false claims on your property. In some cases, an injunction can stop fraudsters from taking further action. A real estate attorney can guide you through legal procedures, challenge the fraudulent transaction, and ensure your rights as a property owner are fully protected.
Step 5: Strengthen Property Protections
Prevention is key to avoiding future fraud. Sign up for title monitoring services, regularly check property records, and set up fraud alerts. If you own vacant or rental properties, ensure you receive notifications for any ownership changes. Strengthening security measures, such as requiring notarized signatures for title changes, can also reduce the risk of fraudulent transfers.
6. Consult with a Property Dispute Attorney
If informal discussions and mediation fail, it’s time to seek legal counsel. A real estate attorney can review your case, provide legal advice, and represent you in negotiations or court proceedings. Attorneys can also help you file necessary legal documents and ensure that your rights are fully protected.
Get Legal Help Today
Property fraud can have devastating consequences, but taking swift action can help restore your rights. At Von Esch Law Group, we specialize in real estate fraud cases and can help you recover stolen property. If you suspect fraud, don’t delay—contact us today for expert legal assistance.
Your home is your most valuable asset—let us help you protect it!