![]() ![]() These regulations adopted revised, enforceable accessibility standards called the 2010 ADA Standards for Accessible Design “2010 Standards” or “Standards”. The Department of Justice published revised regulations for Titles II and III of the Americans with Disabilities Act of 1990 “ADA” in the Federal Register on September 15, 2010. 243 Shooting Facilities with Firing Positions.242 Swimming Pools, Wading Pools, and Spas.232 Detention Facilities and Correctional Facilities.228 Depositories, Vending Machines, Change Machines, Mail Boxes, and Fuel Dispensers.223 Medical Care and Long-Term Care Facilities.222 Dressing, Fitting, and Locker Rooms.220 Automatic Teller Machines and Fare Machines.214 Washing Machines and Clothes Dryers.213 Toilet Facilities and Bathing Facilities.209 Passenger Loading Zones and Bus Stops.The bottom line is companies that offer Title Lock services are fueling, then preying on fears that someone is going to "steal" their home from them. The reality is that attempted title theft is quite rare, and is always unsuccessful, provided the true owner keeps an eye on his or her property. In my opinion, it is simply a totally unnecessary expense. In most counties, you can access the county property ownership records online free of charge and check for yourself. It is a periodic monitoring service that offers you no assistance whatsoever if someone uses forgery to try to steal your title. It'd be expensive, but it is much less expensive than losing ownership of your house to a scammer.Īdams says the important thing to know is that the service, which costs about $15 a month, is not a lock nor is it insurance. At that point, you would call your attorney and justice would (eventually) prevail. So how do you find out that this scam happened? A pretty good indication would be when someone knocks on your door and says they are the owner of your house and you must leave. If that happens, the law assumes you will act eventually to protect your ownership, and charge the scammer with fraud. Second, you can’t lock a title in Georgia or any other state Adams has looked at. Anybody with a pen and paper can fill out a blank deed and forge your name to it, then file that deed at the courthouse. If it has, they notify you after it happened. They offer no assistance in solving any problems that may be created. Instead, Title Lock is a deed monitoring service that periodically checks to see if title has been transferred out of your name. It does not protect you in any way from a scammer fraudulently transferring your title. So, if you buy Title Lock insurance, you may think that would protect you against that scam, but Adams says it doesn't.įirst, it’s important to know that Title Lock is not insurance of any kind. In an ironic twist, the lender probably required the scam borrower to pay for lender's title insurance to protect the lender against fraud just like this. The title insurance company would probably have to eat the loss, then try to recover against the scam borrower. The technical term for what happened is forgery in the first degree and shall be punished by imprisonment for not less than 1 nor more than 10 years.Īnd since the scammer never legally owned your house, the lender has no legal claim on your property. If they tried to foreclose, that would be considered "wrongful foreclosure." ![]() The new scam owner obtained their claim to ownership by a fraudulent deed. They would have to prove that your signature on that deed is valid and that you signed it. And the fact is that you didn’t. ![]() It can happen, but it's a very rare scam right now. ![]() Under title fraud, a scammer forges your name on a deed, then files it in the records room of your county courthouse, then takes out a loan, using the home as collateral. Title Lock claims to protect you against title fraud, which by definition is not a legitimate claim. ![]()
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