Escolar Documentos
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A large part of the problem stems from the fact that your mortgage is no longer owned by a local bank! Large, multi-national banks now own most home mortgages, and in an effort to manage all of the paperwork, they got together and created Mortgage Electronic Registration Systems.
These mills employ over 2000 vice-presidents who sign foreclosures on behalf of the banks that still hold the mortgage.
This ruling has prompted many questions about the ownership situation on properties, as many foreclosure processes have started over, and many people who have bought homes that were originally foreclosed on by MERS, now have a cloud on their title.
517-676-7210
Leave us a message at that number, and we will call you back to talk to
you about the documentation you have recorded with Ingham County.
FBI studies have ranked Michigan #3 out of the top ten states affected by mortgage fraud since the subprime mortgage crisis began.
For the top ten cities affected by this fraud, Detroit was ranked #3 and Dearborn #10.
The Ingham County Register of Deeds has paid for the Property Fraud Alert System, that will notify registered users (via email or phone call) of any new activity involving their property. This will also allow you to track activity concerning your property and notify you of any tax or construction liens filed against you.
Property owners will have to sign up for this free service at the county website.
www.ingham.org/rd/
Or visit the Property Fraud Alert website directly: www.propertyfraudalert.com You can also call their phone # to get signed up: 1-800-728-3858
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Know your mortgage rights. Find your loan documents and read them so you know what your lender may do if you can't make your payments. Learn about the foreclosure laws and timeframes by contacting the State Government Housing Office. Understand foreclosure prevention options. Valuable information about foreclosure prevention (also called loss mitigation) options can be found at www.HUD.gov.
Contact a HUD-approved housing counselor. The U.S. Department of Housing and Urban Development (HUD) funds free or very low cost housing counseling nationwide. Housing counselors can help you understand the law and your options, organize your finances and represent you in negotiations with your lender if you need this assistance. Find a HUD-approved housing counselor near you or call (800) 569-4287.
Foreclosure scams
Offers involving a fee, membership, or subscription charge prior to service. (illegal in Michigan) Calls asking for you SS# Signing any contract by anyone other than a HUD or MSHDA approved organization/counselor Claims to immediately stop/end the foreclosure process. If you have been a victim of such a scam: Call 877-FTC-HELP and file your complaint online at www.michigan.gov/ag or call 1-877-765-8388