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Speaker 1: Good evening, America, and welcome to a special edition of

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Speaker 1: Justin News, No Noise. I'm your host, John Solomon Report

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Speaker 1: guys always from Washington, DC. My co host Amanda Head Well,

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Speaker 1: she's out on assignment at the White House, so she'll

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Speaker 1: get back to us. I'm gonna fly solo tonight, and

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Speaker 1: I want to dive into a subject every couple of months.

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Speaker 1: We're going to do this this year. I want you

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Speaker 1: to know about a devastating but little known scan that's

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Speaker 1: being perpetrated on property owners title fraud. It's a crime

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Speaker 1: the FBI calls house stealing, and if you own a

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Speaker 1: home or a piece of land, you could already be

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Speaker 1: at risk. Think about it. Total US home equity stands

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Speaker 1: at thirty two trillion dollars. That's a record, but that

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Speaker 1: makes it highly vulnerable to theft without proper protection. It

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Speaker 1: takes just one forged document file at your local recorder's

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Speaker 1: office and suddenly someone else owns your home on paper.

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Speaker 1: Imagine finding out your home is no longer in your name,

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Speaker 1: and scammers can take out loans, drain your equity, and

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Speaker 1: leave you to deal with the fallout. And it's not

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Speaker 1: only homeowners. If you're looking to buy your own property,

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Speaker 1: it could turn out you are buying from someone who

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Speaker 1: doesn't even truly own that land. That's going on right now.

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Speaker 1: Title pirates are sending emails out asking potential buyers to

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Speaker 1: buy land they don't even own. County recorders across America

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Speaker 1: have also begun to sound the alarm as the number

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Speaker 1: of scams victimizing homeowners surgeons across this country. In Portage County, Ohio,

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Speaker 1: for instance, just a few weeks ago, the county recorder

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Speaker 1: expressed concern that most homeowners don't know how vulnerable they are.

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Speaker 1: She describe the end goal of these home title thieves

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Speaker 1: simply this way. They just really want cash. They're trying

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Speaker 1: to get cash off the equity in your home. That's

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Speaker 1: a direct quote from that county recorder. That's why we

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Speaker 1: here at justin News are partnering for the next year

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Speaker 1: with hometitle Lock because they offer an exclusive million dollar

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Speaker 1: triple locked protection giving you twenty four to seven monitoring

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Speaker 1: of your home title, urgent alerts if there's ever any change,

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Speaker 1: and if title fraud God Forbid should ever curb. Their

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Speaker 1: US based restoration team will spend up to a million

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Speaker 1: dollars a million bucks to fix the fraud and restore

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Speaker 1: your title. We'll talk more about that throughout the show tonight.

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Speaker 1: This evening, we're gonna hear from people on the front

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Speaker 1: lines of this battle, people who have been victimized by

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Speaker 1: people who've investigated it. For instance, we're gonna hear from

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Speaker 1: from some former FBI agents. We're gonna hear from an

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Speaker 1: Emmy Award winning reporter and consumer advocate, as well as

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Speaker 1: a formal title thief, a guy who served thirteen years

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Speaker 1: in prisons for doing this very heinous crime. You also

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Speaker 1: hear from a real victim of title theft. So stay

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Speaker 1: with us, and by the end of this hour, I

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Speaker 1: know you'll be a lot more educated and hopefully ready

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Speaker 1: to protect your home and your equity before it turns

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Speaker 1: out to be too late. Now, you know, I'm an

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Speaker 1: investigative reporter and I love anytime I could talk to

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Speaker 1: a fellow great investigative reporter. And that's how we're going

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Speaker 1: to kick off tonight's show. Joining us at the kickoff

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Speaker 1: of tonight an ME Award in multimort winning news anchor

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Speaker 1: and investigator reporter who has recently been spending his time

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Speaker 1: researching this growing crime of home title theft. He's my

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Speaker 1: good friend, John Summer. John, welcome back to the show. John.

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Speaker 2: It's always great to see you here.

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Speaker 1: You as well. Listen, You've done this country a huge favor.

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Speaker 1: You have really been digging into this. This isn't some illusion,

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Speaker 1: this isn't some theoretical crime. It is spreading across the country.

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Speaker 1: Tell us a little bit about some of the investigations

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Speaker 1: and some of the victims you've met along the way,

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Speaker 1: as you have documented how pervasive title frauds become.

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Speaker 2: Well, I mean, I've got tons of stories for you, John,

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Speaker 2: but let me riff off of that article that you

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Speaker 2: just showed your viewers called title pirates. I love that

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Speaker 2: term because traditionally it has been called title theft or

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Speaker 2: deed theft, or the FBI coined at house stealing, which

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Speaker 2: I think is great. But title pirates is so descriptive

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Speaker 2: because it's like a marauding invader coming out of the

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Speaker 2: fog at night and stealing the title of your home

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Speaker 2: or your property and then ransacking it for the value

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Speaker 2: and then heading off back into the fog. You're still sleeping,

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Speaker 2: and you wake up and you never know that you

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Speaker 2: got hit. And that's really the way that this has

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Speaker 2: happened because it's a stealth crime. It's not the kind

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Speaker 2: of crime that most law enforcement officers and offices consider

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Speaker 2: over time, who have been a crime something where they

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Speaker 2: hit you over the head and steal your jewelry or

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Speaker 2: they break into your home. This is so stealth that

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Speaker 2: it's only now come onto the forefront in law enforcement

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Speaker 2: offices as being a legitimate crime. And it is a

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Speaker 2: huge crime because, as you mentioned, what we're talking about

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Speaker 2: is the equity in your home. Your home, which is

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Speaker 2: your estate, something you've owned and built for all your life,

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Speaker 2: is really up for grabs and it's very simple to

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Speaker 2: steal it.

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Speaker 1: Yeah, it really is remarkable, And I think it starts

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Speaker 1: with the simplicity of how title pirates ultimately get the title.

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Speaker 1: They're sitting online now it's so easy. Talk a little

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Speaker 1: bit about how the front end of this crime became

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Speaker 1: easier as we moved to a digital society.

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Speaker 2: Yeah, you nailed it, John, I mean, that's really how

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Speaker 2: this thing is turboat charged because originally, and I think

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Speaker 2: you're going to talk to a fellow that spent a

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Speaker 2: lot of time in prison, so he's kind of one

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Speaker 2: of the pioneers in this crime and back then you

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Speaker 2: go down to the county clerk's office and you would

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Speaker 2: forge some documents and hopefully they would pass it, and

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Speaker 2: then you could claim title to the property and then

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Speaker 2: either sell the property or extract the value out of

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Speaker 2: it by taking loans. Nowadays, John, it is so easy

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Speaker 2: to do online on the Internet. Artificial intelligence has made

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Speaker 2: this thing so easy to be able to forge documents,

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Speaker 2: create fictitious names. You can pretend to be anybody anywhere

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Speaker 2: in the world and put that onto a title, and

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Speaker 2: for all the world, when you go out to leverage

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Speaker 2: it by going to a loan company or selling it

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Speaker 2: to an unsuspecting buyer, they think you are the legitimate

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Speaker 2: owner of the property, and for all the world the

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Speaker 2: document shows that you are.

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Speaker 1: Yeah, that's really remarkable. And there's a new thing out there.

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Speaker 1: We're hearing about it, and there's a lot of a

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Speaker 1: promise for it called artificial intelligence. But that's actually making

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Speaker 1: it harder and harder to even tell a fake document

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Speaker 1: from a real document.

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Speaker 2: Right, Yeah, as I said. And the thing is, even

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Speaker 2: if you go the traditional way, you can create all

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Speaker 2: of these documents offline, John, still go down to the

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Speaker 2: county clerk's office, and you can get a notary stamp

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Speaker 2: off the internet, very easy to do, and everything looks sufficient,

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Speaker 2: and you go to the county clerks and they look

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Speaker 2: at it and they can't question it. So it gets

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Speaker 2: past just as it did when you when the person

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Speaker 2: bought the house in the first place. And then once

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Speaker 2: you have the title in your name or fictitious person's

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Speaker 2: say actually, John, there are criminal enterprises out there that

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Speaker 2: do this as well. I mean, it's it is just

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Speaker 2: absolutely exploded, and I want to, for instance, Letitia James.

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Speaker 2: She's the Attorney gentermal in New York. The Attorney General

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Speaker 2: Chris Mays in Arizona. They've only now just designated this

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Speaker 2: as a crime, which is fine, but it's one thing

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Speaker 2: to call something a crime. It's another thing to catch

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Speaker 2: the criminal. And the bad guy is gone before you

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Speaker 2: even know it, because once they've leveraged the equity and

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Speaker 2: that property, they transferred to a bank someplace off shore,

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Speaker 2: and they're gone, and then you won't know about it

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Speaker 2: until two or three months later, and you start getting

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Speaker 2: dunning letters from the loan company saying you're not up,

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Speaker 2: you know, to your payments on this particular loan. I said, well,

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Speaker 2: I didn't take out a loan. Well, it shows here

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Speaker 2: here on paper that you did. You took out an

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Speaker 2: equity loan. And then you're stuck and then you're left

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Speaker 2: with having to go through the court system. You have

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Speaker 2: to hire an attorney. It is extremely expensive, it could

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Speaker 2: take years to rectify, and then the trauma of having

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Speaker 2: to go through this, and particularly the elderly are victims

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Speaker 2: of this, but anybody can be a victim of this crime.

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Speaker 1: Yeah, it is remarkable. And once you're victimizing, you find

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Speaker 1: out so late in the process. It's at least a

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Speaker 1: month's journey, if not year's journey to get fixed. If

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Speaker 1: you don't have protection, correct.

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Speaker 2: That's correct, But you need protection.

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Speaker 1: Yeah. Yeah, we're going to turn to that in a second.

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Speaker 1: I want to ask about one sugar pill that I

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Speaker 1: think a lot of people listen say, well, I got

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Speaker 1: homeowners insurance or I bought titled turns when when I

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Speaker 1: closed on my home. Those are not going to protect

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Speaker 1: anyone from a title thief, correct, No.

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Speaker 2: I mean it's like, you know there's identity insurance and

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Speaker 2: you've got a credit card, and you know they might

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Speaker 2: notify you if somebody has made some kind of effishy

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Speaker 2: charge on there, and then they can rectify that. This

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Speaker 2: is something entirely different. When you purchase a property, you

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Speaker 2: have a title insurance on it, but that only protects

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Speaker 2: it up till the point of purchase. They'll say, well,

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Speaker 2: there's a lean on here or whatever, and then they

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Speaker 2: take care of that. But after you purchase the property,

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Speaker 2: you're open. You're open a game for this kind of

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Speaker 2: a fraud and nothing can't protect you unless you get

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Speaker 2: a service that actually monitors the title for you and

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Speaker 2: then lets you know if there's something going on. And

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Speaker 2: I think John at the head of this you mentioned

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Speaker 2: something about a company called Home Title Lot, and I've

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Speaker 2: done a lot of research on this and this company,

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Speaker 2: Home Title Lot, they're the pioneers of the industry, and

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Speaker 2: they do three things that you can't possibly do yourself.

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Speaker 2: You can't monitor your title, or even if you go

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Speaker 2: down to the clerk's office and check it, the minute

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Speaker 2: that you leave, the thief can take it anyway, so

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Speaker 2: it doesn't do it any good. But Home Title Lot

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Speaker 2: monitors your title twenty four to seven and then they'll

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Speaker 2: alert you if they see something going on. They're fishy

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Speaker 2: and lets you know about a way, and then the

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Speaker 2: most important thing is they will work with you up

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Speaker 2: to a million dollars to restore that title back into

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Speaker 2: your good name. Otherwise you have to go through the

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Speaker 2: court system. As I said before, hire an attorney. It's

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Speaker 2: extremely expensive, and this company does it all for you

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Speaker 2: and it's not expensive and it's peace of mind. And

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Speaker 2: I'm telling you everybody can be a victim in this.

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Speaker 2: It's not just the elderly.

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Speaker 1: You have an.

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Speaker 2: Airbnb property or a rental property, even open land here

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Speaker 2: on Cephra, California where I am, I'm working with the

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Speaker 2: local DA's office and they've had a big problem with

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Speaker 2: people stealing undeveloped property which is still very very valuable,

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Speaker 2: and you're not, as the owner of the property, watching it,

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Speaker 2: and they can take it from you and you would

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Speaker 2: never know it until it's too late.

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Speaker 1: It's really frightening. You mentioned one on seventh the process,

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Speaker 1: and I'm going to get back to triple lock protection

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Speaker 1: one more time, but before we do, you mentioned the

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Speaker 1: county recorder and everyone said, well, why doesn't the county

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Speaker 1: recorder do something when someone tries it? And the answer is,

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Speaker 1: if it looks legit, the county recorder has to accept it. Right,

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Speaker 1: there's not a whole lot of latitude of these county

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Speaker 1: recorders to blow the whistle on this. They have to

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Speaker 1: accept something if it comes in with a legitimate stamp, right.

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Speaker 2: Yeah, that's correct. If everything looks proper, they have to

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Speaker 2: pass it. They can't ask questions.

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Speaker 1: It's just it's so mind boggling. And we're beginning to

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Speaker 1: see a lot of these county recorders. I just did

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Speaker 1: a little news headline search. I think in the last

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Speaker 1: six months, about three dozen county recorders of the alarm.

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Speaker 1: You mentioned the type of victims that get hit. We

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Speaker 1: know elderly and everyday people, but even some pretty famous

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Speaker 1: venues have been impacted by title fraud, like scams Elvis's property,

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Speaker 1: Graceland down in Tennessee. I think the San Diego Padres Stadium.

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Speaker 2: Right, Well, that was a good one. They had a

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Speaker 2: guy who was a homeless guy who was living at

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Speaker 2: Petcoast Stadium and they found him there and they had

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Speaker 2: to kick him out of the stadium. Well, he went

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Speaker 2: down to the county clerk's office and he forged the

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Speaker 2: documents to peck Coast Stadium and transferred it into his name,

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Speaker 2: and the owners of the stadium didn't even find out

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Speaker 2: about it until they went to take out a new

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Speaker 2: loan on it to do some improvements on it, and

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Speaker 2: the clerk's office goes, well, who's this guy on here

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Speaker 2: that holmes the stadium And they didn't know about it. Obviously,

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Speaker 2: they had a lot of power with local law enforcement

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Speaker 2: and swing to be back it up, and it wasn't

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Speaker 2: a big problem for them to rectify that situation. But

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Speaker 2: that shows John just how easy it is to do.

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Speaker 2: Anybody can commit this crime. It's just out there for

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Speaker 2: the grabs, So you really got to be vigilant and

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Speaker 2: watch out for yourself. And as I mentioned before, for

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Speaker 2: most people, this is the bulk of their estate that

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Speaker 2: they built for their whole life, and in particular the elderly,

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Speaker 2: their house is is, you know, is all that they

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Speaker 2: have and if that's taken from them, it's just a tragedy.

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Speaker 2: And there are so many stories out there. You're going

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Speaker 2: to talk, I think, to us Matthew Cox and he'll

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Speaker 2: talk about how he does this. And these bad guys

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Speaker 2: they have no conscience. They don't care if it's your grandmother,

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Speaker 2: they just don't care. They'll do it and they're gone,

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Speaker 2: and then they leave a whole lot of pain behind.

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Speaker 1: There'll be three to four months down the road with

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Speaker 1: your cash before you even get your first notice of

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Speaker 1: what's happening. That's so remarkable. They're goin. Matt Cox is

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Speaker 1: as cunning and as successful as he was. He's now

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Speaker 1: on the opposite side of it, is helping all of

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Speaker 1: us to protect us from the future Matt Cox in

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Speaker 1: the world. That's gonna be a fun conversation. John, You

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Speaker 1: do himself, so yeah, that's it. You do such great work.

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Speaker 1: You're such a great investigative reporter. You explain this so

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Speaker 1: clearly for people. What a great honor to have you

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Speaker 1: back on the show. Thanks for joining us.

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Speaker 2: Thanks so much, John.

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Speaker 1: Yeah, this is really great. All right, folks, we're gonna

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Speaker 1: take a break. When we come back, you're gonna meet

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Speaker 1: a real victim of title fraud and find out how

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Speaker 1: Holb title Lock helped her. But before we go to break,

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Speaker 1: I want to share the very special offer that home

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Speaker 1: titlelock has created. You go to hometitle dock dot com.

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Speaker 1: You can sign up today. It monitors your title twenty

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Speaker 1: four to seven. It sends you urgent alerts for any

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Speaker 1: title changes and if fraud should happen, Home Title Lock's

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Speaker 1: at US based restoration team will spend up to a

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Speaker 1: million dollars to fix fraud and restore your title at

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Speaker 1: no cost to you. And you're going to get ten

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Speaker 1: percent off with the special promo code that we use

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Speaker 1: jt N ten JTN ten. So go to hometitle lockw

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00:15:00,440 --> 00:15:02,720
Speaker 1: the commercial break here, use the promo code JTN ten

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Speaker 1: for ten percent off right now, get that peace of mind.

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Speaker 1: Don't wake up a few months from now and be

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Speaker 1: have buyer's remorse. All right, we're gonna take that quick

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Speaker 1: commercial break. Let me come back, Jennifer Washington, a real

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Speaker 1: life victim. We'll join us, so I'll have that buy

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Speaker 1: after these methods. Welcome back in America to the special

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Speaker 1: edition of Justin Use No Noise. As I mentioned at

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Speaker 1: the top of the show, we're partnering tonight with Homettle

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Speaker 1: Locke to put the spotlight on one of the fastest

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Speaker 1: growing cyber crimes in America. The FBI calls a house deealing,

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Speaker 1: but it's also known as title fraud. It is a

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Speaker 1: very very real crime. For the first time we've been

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Speaker 1: able to bring on a real victim of this crime.

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Speaker 1: But before we do, listen to a quick semi verse

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Speaker 1: story in our own words.

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Speaker 3: When I finally realized that someone had fraudulently changed my

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Speaker 3: father's title, I was offended. I felt upset, just disgusted

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Speaker 3: that actually someone could just go in and not worry

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Speaker 3: about anyone's welfare and just commit crime like that. Then

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Speaker 3: when I talked to the Recorder's office, it was like

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Speaker 3: a slap in the face. The fact that there was

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Speaker 3: no agencies out there willing to help. It was like

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Speaker 3: your problem, deal with It was kind of like the

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Speaker 3: attitude received when trying to get help. Once I notified

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Speaker 3: Home Title Lock that the home had been forged, the

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Speaker 3: process was amazing. Home Title Lock took care of everything.

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Speaker 3: Thank goodness, my family trusted Home Title Lock when fraud

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Speaker 3: hit our home. Home Titleck was there to save the day.

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Speaker 3: Home Title Lock does everything they say and more.

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Speaker 1: All right, joining us now is a woman you just

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Speaker 1: saw that video, Jennifer Washington. Jennifer, thanks for joining us today.

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Speaker 4: Thank you for having me in.

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Speaker 1: Good afternoon, Good to be with you. What a great

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Speaker 1: honor to have you on. All right, So, when and

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Speaker 1: how did you discover that your home had been targeted

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Speaker 1: by the crime. I think a lot of people love

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Speaker 1: to find out just what's that moment of discovery, Like.

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Speaker 4: Right, it was devastating.

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Speaker 5: I was home checking the mail and I noticed several

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Speaker 5: mailings coming into advertisements to sell the property, and then

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Speaker 5: eventually I received a letter welcome.

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Speaker 4: To the neighborhood.

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Speaker 5: So I decided let's go over to the County Recorder's office,

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Speaker 5: where then it was discovered that a quick claim deed

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Speaker 5: had been.

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Speaker 4: Filed against the property.

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Speaker 5: So once I expressed my concerns and advised them that

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Speaker 5: it was fraudulent, the only thing they told me to

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Speaker 5: do was that I needed to hire an attorney and

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Speaker 5: that it's not their responsibility to validate the forms that

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Speaker 5: are being filed. If they look correct, they complete the transaction.

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Speaker 1: No protection at that level. So you really are at

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Speaker 1: that moment in a buy and the county recorder is

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Speaker 1: not going to help you. What was your next step?

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Speaker 1: What did you do next in the process to try

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Speaker 1: to get this rectified?

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Speaker 5: Well, I did see that we had a policy called

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Speaker 5: home title title lock, so I contacted them and advised

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Speaker 5: them faxed over the recorder's.

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Speaker 4: Transaction to show them that it had.

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Speaker 5: Gone through and they were very comforting. They advised me

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Speaker 5: that they would take care of everything. There was nothing

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Speaker 5: I had to worry about. They reassured me that this

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Speaker 5: is what they do.

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Speaker 1: Wow, that's just amazing, and that's a moment of relief

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Speaker 1: after a lot of probably frustrating moments. When you leave

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Speaker 1: the county Recorder's office, you're pretty demoralized, right because you

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Speaker 1: feel like there's no one there to help you.

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Speaker 2: Right.

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Speaker 5: Yes, I filed the police report. The police did not

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Speaker 5: They wouldn't do anything about it. The state's attorney's office

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Speaker 5: was interested in it, but they would not pick up

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Speaker 5: the case unless the police department took care of it,

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Speaker 5: so there was really no help. Even still, hindsight, the

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Speaker 5: case has not been picked up and we know who

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Speaker 5: the person is.

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Speaker 1: That is amazing. I mean, it's a clear crime and

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Speaker 1: all of the evidence is laying out in the public

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Speaker 1: and there's no prosecution or accountability. How long from when

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Speaker 1: the quick claim was filed to when you've noticed that

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Speaker 1: there had been some fraud on the home and on

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Speaker 1: the title. How long was that gap?

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Speaker 5: I missed it by three days, so I was actually

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Speaker 5: really lucky, and it was it fell over a weekend,

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Speaker 5: So I was kind of quick witted with it, but

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Speaker 5: I could imagine other people going for months on end

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Speaker 5: not realizing anything that's happened.

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Speaker 1: Yeah, and your flag was the junk mail, right. You

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Speaker 1: started to see these sort of unusual piece of ail.

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Speaker 1: Most people throw those in the garbage, don't look at

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Speaker 1: You were president enough to look at it.

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Speaker 4: Well.

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Speaker 5: It was strange because the house had been owned in

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Speaker 5: ownership for over thirty years, So why would we want

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Speaker 5: to sell?

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Speaker 4: We have not gotten it appraised.

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Speaker 5: We had not inquired anything about the title of the home.

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Speaker 5: But then when I seen welcome to the neighborhood, I said,

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Speaker 5: wait a minute, this doesn't sound good.

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Speaker 1: Yeah, no, that's a big that's a big red flag.

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Speaker 1: All right, So let's walk people through the experience. When

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Speaker 1: you get the hometown a lot because you actually did it,

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Speaker 1: you discover the policy, you call the number. What was

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Speaker 1: it like as you were working with customer service? What

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Speaker 1: will other people if they're going to go through this

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Speaker 1: with HTL?

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Speaker 4: Customer service was amazing?

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Speaker 5: Uh, they actually seemed concerned with my you know, they

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00:21:12,280 --> 00:21:16,320
Speaker 5: were they were concerned with my issues. They comforted me,

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Speaker 5: they reassured me that everything was okay.

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Speaker 4: They took down.

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Speaker 5: The best of my best contact information and they kept

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Speaker 5: communicated with me every step of the way. They advised

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Speaker 5: me that they had received the recording. Then they hired

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Speaker 5: an attorney. They put me in contact with that attorney.

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Speaker 5: They made sure the appointments were made and that we

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Speaker 5: met with them. Then once it was brought into court,

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Speaker 5: they advised me of every court date and everything that happened.

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Speaker 5: And once the situation was over and the title was recovered,

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Speaker 5: they sent me a thank you letter. There was no

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Speaker 5: money asked for, there was no attorney fees, there was

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Speaker 5: no additional fees whatsoever. It was one of the best

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Speaker 5: experiences I've had in my entire life.

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Speaker 1: Had no money out of pocket. If you had to

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Speaker 1: front all that money because you were without home townle Lock,

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Speaker 1: you would have been what tens of thousands of dollars

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00:22:23,920 --> 00:22:29,920
Speaker 1: of expense probably, yes, definitely. That's just crazy. How long

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Speaker 1: was the process at once home title lot kicked in.

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Speaker 1: It takes a few months to get everything through the

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Speaker 1: court system.

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Speaker 5: Right from start to finish, it was about seven months.

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Speaker 1: Wow, that's amazing.

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Speaker 5: It was about seven months, So imagine pain attorneys fees

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Speaker 5: for that many months.

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Speaker 4: On end would be horrible.

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Speaker 1: It's enough to make your shutter and your wallet shutter too. No,

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Speaker 1: And I know if it's alert, they're expensive. They costs

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Speaker 1: a lot of money for others out there. I mean,

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Speaker 1: I think you probably are like everyone else, which is

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Speaker 1: why am I worried about my title? What's up with

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Speaker 1: my title? We don't think about the title after we

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Speaker 1: close on a house. If someone's sitting out there today,

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Speaker 1: what's your best advice, given all that you've been to,

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Speaker 1: what's your best advice to other homeowners here sitting there,

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Speaker 1: probably unaware that maybe someone's looking around the corner trying

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Speaker 1: to steal their house?

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Speaker 2: Right?

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Speaker 4: I will be honest.

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Speaker 5: As a working class individual, we have enough stresses in life,

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Speaker 5: so your title is something that you don't realize that

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Speaker 5: you need to protect these days, and the process is

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Speaker 5: so easy, and then once it happens, there's no one

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Speaker 5: there to protect you or help you. So it becomes

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Speaker 5: this spiral. And I can imagine someone not having possibly.

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Speaker 4: A good job, a good home, you know, resources to

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Speaker 4: fight back.

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Speaker 5: I could imagine a lot of people just walking away

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Speaker 5: because without home title lock, I don't know that we

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Speaker 5: would have been able to fight this situation and recover

437
00:24:06,960 --> 00:24:07,680
Speaker 5: the property.

438
00:24:08,560 --> 00:24:11,040
Speaker 1: So mind bogging's such an amazing story, and you really

439
00:24:11,160 --> 00:24:13,920
Speaker 1: nailed it. The system itself, the things you would think

440
00:24:13,960 --> 00:24:20,080
Speaker 1: maybe the police or the prosecutors or the county deed people,

441
00:24:20,480 --> 00:24:22,600
Speaker 1: they don't have the time nor the resources to do

442
00:24:22,640 --> 00:24:24,680
Speaker 1: anything to help you. So you're really an island when

443
00:24:24,680 --> 00:24:26,240
Speaker 1: this starts if you don't have hometown lock.

444
00:24:27,359 --> 00:24:31,920
Speaker 5: Yes, the police called it a civil case, and they

445
00:24:31,960 --> 00:24:33,680
Speaker 5: don't pick up civil cases.

446
00:24:34,520 --> 00:24:36,200
Speaker 1: Yeah, we've heard that from a lot of people. It's

447
00:24:36,240 --> 00:24:39,640
Speaker 1: really remarkable. Jennifer Washington, thank you for taking the time.

448
00:24:39,680 --> 00:24:42,440
Speaker 1: I know how busy you are to explain your experience.

449
00:24:42,480 --> 00:24:43,800
Speaker 1: I think it's an eye opener for a lot of

450
00:24:43,840 --> 00:24:46,199
Speaker 1: the people watching today. Great it worked out for you,

451
00:24:46,320 --> 00:24:48,320
Speaker 1: and thanks for giving us all of your wisdom.

452
00:24:49,119 --> 00:24:51,480
Speaker 4: Thank you for allowing me to share my story.

453
00:24:52,040 --> 00:24:54,439
Speaker 1: Yeah, it's a really important one. Great to have you.

454
00:24:54,560 --> 00:24:56,560
Speaker 1: Thanks so much. All Right, folks, we're going to take

455
00:24:56,560 --> 00:24:58,040
Speaker 1: a quick commercial break, and when we come back, we're

456
00:24:58,600 --> 00:25:01,280
Speaker 1: again to get to interview a man who used to

457
00:25:01,280 --> 00:25:03,840
Speaker 1: commit this crime. He's an expert at it. He explained

458
00:25:03,840 --> 00:25:05,480
Speaker 1: how he did it, how he got away with it,

459
00:25:05,640 --> 00:25:07,760
Speaker 1: and then now because he's on the good side of

460
00:25:07,800 --> 00:25:10,480
Speaker 1: this how you can protect yourself. But while we're in

461
00:25:10,480 --> 00:25:11,920
Speaker 1: the commercial break, do me a favorite. Head over to

462
00:25:11,960 --> 00:25:14,600
Speaker 1: hometownl lock dot com. Use the special promo code we

463
00:25:14,640 --> 00:25:17,520
Speaker 1: told you about, JTN ten. Go get ten percent off

464
00:25:17,560 --> 00:25:20,200
Speaker 1: and get started on this journey so that you aren't

465
00:25:20,240 --> 00:25:23,320
Speaker 1: a victim of title theft and you have the experience

466
00:25:23,680 --> 00:25:25,720
Speaker 1: that Jennifer Att not the sort of ones that people

467
00:25:25,720 --> 00:25:28,359
Speaker 1: who are unprotected are going through. Months and months later,

468
00:25:28,480 --> 00:25:30,520
Speaker 1: all right, one more time, it's the promo code JTN

469
00:25:30,600 --> 00:25:33,360
Speaker 1: ten at hometown of lock dot com. We'll be right back.

470
00:25:49,880 --> 00:25:52,720
Speaker 6: It just didn't seem quite right. A neighbor had came

471
00:25:52,800 --> 00:25:55,960
Speaker 6: to us and told us she was suspicious that there

472
00:25:56,400 --> 00:25:58,520
Speaker 6: was people coming and going out of my mom's home.

473
00:25:58,720 --> 00:26:02,080
Speaker 6: My mom wasn't there. She I've been in the hospital. Unfortunately,

474
00:26:02,119 --> 00:26:03,760
Speaker 6: there's people out there that will take advantage of that.

475
00:26:03,960 --> 00:26:06,440
Speaker 7: Local realtor wanted to make an offer on the property

476
00:26:06,480 --> 00:26:08,679
Speaker 7: and I told him it wasn't for sale, and he

477
00:26:08,800 --> 00:26:12,800
Speaker 7: told me, well, it's for sale on a real estate website.

478
00:26:13,000 --> 00:26:16,800
Speaker 7: About a week later, the deed had been registered on

479
00:26:16,800 --> 00:26:20,920
Speaker 7: this property. My parents' supposed signatures were on the deed.

480
00:26:21,240 --> 00:26:23,560
Speaker 1: Totally frauduct. I know that it's happening.

481
00:26:23,600 --> 00:26:27,240
Speaker 8: I've seen it for myself. You had this beautiful home

482
00:26:27,400 --> 00:26:29,439
Speaker 8: and you lose all of the equity in him because

483
00:26:29,440 --> 00:26:33,120
Speaker 8: somebody forged a deed, got online, put leans on the property.

484
00:26:33,160 --> 00:26:35,640
Speaker 8: There's all kinds of ways they can do to lose

485
00:26:35,680 --> 00:26:38,560
Speaker 8: our equity, to lose our home. It would destroy us.

486
00:26:38,880 --> 00:26:41,320
Speaker 8: I mean, it would absolutely destroy us.

487
00:26:41,960 --> 00:26:44,840
Speaker 1: Those are all real victims, people who went through exactly

488
00:26:44,840 --> 00:26:47,399
Speaker 1: what Jennifer went through. Some of them weren't protected. You

489
00:26:47,440 --> 00:26:49,359
Speaker 1: don't want to be one of this. Welcome back everybody

490
00:26:49,680 --> 00:26:52,280
Speaker 1: to this Just the News special report. Now we've been

491
00:26:52,280 --> 00:26:54,560
Speaker 1: taking a deep dive into the crime of title theft.

492
00:26:54,800 --> 00:26:57,440
Speaker 1: We gave you a good overview with a great investigative journalists,

493
00:26:57,440 --> 00:26:59,639
Speaker 1: a fellow journalist with me. We gave you what it

494
00:26:59,640 --> 00:27:02,440
Speaker 1: looks like to be a victim, someone who went through

495
00:27:02,440 --> 00:27:04,920
Speaker 1: the process, fortunately was protected by hometown. Like now we're

496
00:27:04,920 --> 00:27:07,680
Speaker 1: going to turn to someone who used to commit this crime.

497
00:27:07,760 --> 00:27:09,600
Speaker 1: Now are farmed and helping all the rest of us

498
00:27:09,760 --> 00:27:12,639
Speaker 1: to be better educated. But he did the title fraud

499
00:27:12,720 --> 00:27:15,760
Speaker 1: thief thing pretty well. He is our good friend, Matthew Cox. Matthew,

500
00:27:15,800 --> 00:27:19,879
Speaker 1: welcome back to the show. Thank you. All right, let's

501
00:27:19,880 --> 00:27:23,119
Speaker 1: remind everybody if they've missed your story, thirteen years in prison,

502
00:27:23,160 --> 00:27:26,439
Speaker 1: about fifty five million dollars of fraud that they charged

503
00:27:26,480 --> 00:27:28,760
Speaker 1: you with. This was a pretty easy scheme for you

504
00:27:28,760 --> 00:27:29,600
Speaker 1: to pull off, right.

505
00:27:30,840 --> 00:27:33,640
Speaker 9: Yes, and that was that was a while ago too.

506
00:27:33,680 --> 00:27:35,800
Speaker 9: It's even easier now.

507
00:27:36,359 --> 00:27:38,480
Speaker 1: So walk people through it. You have a history in

508
00:27:38,520 --> 00:27:42,360
Speaker 1: real estate, and you realize I could grab these titles,

509
00:27:42,480 --> 00:27:43,760
Speaker 1: convert him and be long gone.

510
00:27:43,840 --> 00:27:44,040
Speaker 4: Right.

511
00:27:45,080 --> 00:27:48,840
Speaker 9: Absolutely was I own a mortgage company at the time,

512
00:27:48,920 --> 00:27:50,720
Speaker 9: not that you'd need to own a mortgage company to

513
00:27:51,000 --> 00:27:55,440
Speaker 9: figure it out. There are there's dark websites right now

514
00:27:55,440 --> 00:27:57,840
Speaker 9: that are telling people how to do this. It's one

515
00:27:57,840 --> 00:28:02,280
Speaker 9: of the most prolific white collar crimes out there. According

516
00:28:02,320 --> 00:28:04,680
Speaker 9: to the FBI. It's happening more and more all the time.

517
00:28:05,480 --> 00:28:08,480
Speaker 9: And I would go out, I'd drive through a neighborhood

518
00:28:08,480 --> 00:28:11,879
Speaker 9: and I'd find someone's house that I liked, which was

519
00:28:12,000 --> 00:28:14,640
Speaker 9: pretty much any house that was in decent shape. I'd

520
00:28:14,680 --> 00:28:17,760
Speaker 9: go down to public records and I would create a

521
00:28:17,840 --> 00:28:21,520
Speaker 9: false satisfaction of mortgage and I'd satisfy the person's mortgage

522
00:28:21,520 --> 00:28:24,679
Speaker 9: if they had one, and then I would either steal

523
00:28:24,720 --> 00:28:28,840
Speaker 9: that person's identity, or I would transfer the deed, which

524
00:28:28,880 --> 00:28:32,280
Speaker 9: is of course the ownership to their house, to someone

525
00:28:32,280 --> 00:28:35,440
Speaker 9: else's name, maybe another stolen identity, maybe a synthetic identity,

526
00:28:35,440 --> 00:28:37,600
Speaker 9: and then I could do whatever I wanted in the house.

527
00:28:37,640 --> 00:28:40,200
Speaker 9: I could borrow against it, sell it, do whatever. I

528
00:28:40,200 --> 00:28:42,640
Speaker 9: would have possession of the house, and.

529
00:28:42,560 --> 00:28:44,640
Speaker 1: Then your goal is to go take some money off

530
00:28:44,680 --> 00:28:46,680
Speaker 1: that and then scram right right.

531
00:28:46,800 --> 00:28:50,200
Speaker 9: Typically, I would borrow a few mortgages on that property.

532
00:28:50,880 --> 00:28:53,280
Speaker 9: I would have that money wired into several bank accounts.

533
00:28:53,320 --> 00:28:57,600
Speaker 9: I would remove that money in cash, and by the

534
00:28:57,720 --> 00:29:02,240
Speaker 9: time the homeowner was notified by the mortgage companies that

535
00:29:02,280 --> 00:29:06,280
Speaker 9: were now foreclosing on their properties, I was long gone.

536
00:29:06,360 --> 00:29:09,840
Speaker 9: I'd been gone for months, as you know, in some instances,

537
00:29:09,960 --> 00:29:12,520
Speaker 9: and if I decided to make a few mortgage payments,

538
00:29:12,560 --> 00:29:14,800
Speaker 9: I could be gone for three to six months before

539
00:29:14,800 --> 00:29:17,440
Speaker 9: they even were notified that the house was being foreclosed on.

540
00:29:17,960 --> 00:29:19,760
Speaker 9: That was may or may not even be in their

541
00:29:19,840 --> 00:29:20,440
Speaker 9: name anymore.

542
00:29:20,960 --> 00:29:25,120
Speaker 1: Gosh, it's mind boggling. I think you answered this once before.

543
00:29:25,160 --> 00:29:27,840
Speaker 1: I think it's how many howmes did you ultimately hit?

544
00:29:27,920 --> 00:29:29,720
Speaker 1: What do you think total money that you got off

545
00:29:29,760 --> 00:29:30,160
Speaker 1: of people?

546
00:29:31,600 --> 00:29:31,800
Speaker 4: Oh?

547
00:29:31,840 --> 00:29:37,640
Speaker 9: Gosh, it, that's such a complicated question. I mean, obviously,

548
00:29:37,720 --> 00:29:40,360
Speaker 9: it's I've obviously done this in the tens of millions,

549
00:29:40,400 --> 00:29:47,680
Speaker 9: and it that's tough. That's a tough question. Dozens over,

550
00:29:47,760 --> 00:29:51,520
Speaker 9: you know, dozens of individuals that were harmed by me

551
00:29:51,600 --> 00:29:55,880
Speaker 9: committing this crime. And you know, what's what's interesting about

552
00:29:55,920 --> 00:29:58,960
Speaker 9: it is, I noticed you touched on it on one

553
00:29:58,960 --> 00:30:02,840
Speaker 9: of the early earlier segments was that, you know, law

554
00:30:02,880 --> 00:30:05,120
Speaker 9: enforcement doesn't They don't typically want to They don't want

555
00:30:05,120 --> 00:30:08,520
Speaker 9: to help anybody, which for a title thief is great.

556
00:30:08,840 --> 00:30:11,920
Speaker 9: If you're the title thief, that's great because it complicates

557
00:30:11,920 --> 00:30:15,080
Speaker 9: the issue and it takes even longer for these people

558
00:30:15,160 --> 00:30:17,640
Speaker 9: to figure out what's going on and how to go

559
00:30:17,680 --> 00:30:22,160
Speaker 9: about correcting the situation. If they have an advocate on

560
00:30:22,200 --> 00:30:24,720
Speaker 9: their side that can help them. They don't have anybody

561
00:30:24,760 --> 00:30:27,680
Speaker 9: to help them, they don't have an attorney, then a

562
00:30:27,680 --> 00:30:31,160
Speaker 9: lot of people just they just they don't have the

563
00:30:31,200 --> 00:30:34,640
Speaker 9: wherewithal to go through the court system to try and

564
00:30:34,760 --> 00:30:38,800
Speaker 9: correct this property. And I think that your other the

565
00:30:38,840 --> 00:30:41,600
Speaker 9: other person you spoke with the victim of this crime,

566
00:30:42,640 --> 00:30:44,080
Speaker 9: had mentioned that you know a lot of people just

567
00:30:44,160 --> 00:30:45,000
Speaker 9: probably give up.

568
00:30:45,440 --> 00:30:48,560
Speaker 1: Yeah, and that amazing on their most important assets, something

569
00:30:48,600 --> 00:30:50,640
Speaker 1: they might have worked their whole life to build a

570
00:30:50,720 --> 00:30:53,200
Speaker 1: nesting with and they just walk away because they don't

571
00:30:53,240 --> 00:30:56,239
Speaker 1: have the resources to save it. When you did it,

572
00:30:56,240 --> 00:30:58,800
Speaker 1: it was a little bit old school, right, You had

573
00:30:58,800 --> 00:31:01,120
Speaker 1: to still go down to the records. All the documents

574
00:31:01,120 --> 00:31:04,600
Speaker 1: are online and you could get the signature like perfect, right,

575
00:31:04,640 --> 00:31:07,600
Speaker 1: because you've got an AI now artificial intelligence, it's probably

576
00:31:07,640 --> 00:31:09,680
Speaker 1: easier today than ever to do this, right.

577
00:31:10,280 --> 00:31:14,880
Speaker 9: Oh absolutely, And nobody's nobody's checking the signature. I could

578
00:31:14,960 --> 00:31:19,040
Speaker 9: write Mickey Mouse on the deed. They would they wouldn't know.

579
00:31:19,640 --> 00:31:21,719
Speaker 9: And yeah, when I did it, you used to have

580
00:31:21,760 --> 00:31:23,680
Speaker 9: to go into I used to have to go down

581
00:31:23,720 --> 00:31:26,120
Speaker 9: to public records. I'd have to go into the bank.

582
00:31:26,160 --> 00:31:29,400
Speaker 9: I'd have to go to the mortgage mortgage company or

583
00:31:29,480 --> 00:31:32,000
Speaker 9: bank and apply for the loan. I'd have to open

584
00:31:32,040 --> 00:31:35,000
Speaker 9: bank accounts. I would have to remove the money in cash,

585
00:31:35,040 --> 00:31:37,040
Speaker 9: that sort of thing, go to the closing. And now

586
00:31:37,040 --> 00:31:38,840
Speaker 9: you can do all of this online. You don't have

587
00:31:38,880 --> 00:31:42,880
Speaker 9: to go downtown. You can search people's you search public

588
00:31:42,920 --> 00:31:46,280
Speaker 9: records online. You can have closing, you can apply for

589
00:31:46,320 --> 00:31:51,120
Speaker 9: mortgages online. You can have closings online, open bank accounts online,

590
00:31:51,160 --> 00:31:54,600
Speaker 9: transfer the money online. I mean it's much much easier now.

591
00:31:55,040 --> 00:31:57,760
Speaker 9: Fake notary stamps. You can order them through the mail.

592
00:31:58,480 --> 00:32:01,040
Speaker 9: Everything that was difficult when I was doing it is

593
00:32:01,200 --> 00:32:02,400
Speaker 9: much much easier now.

594
00:32:03,040 --> 00:32:06,280
Speaker 1: Yeah, it's it's remarkable and it's scary actually at the

595
00:32:06,280 --> 00:32:08,760
Speaker 1: same time. And you it's like the perfect crime because

596
00:32:08,760 --> 00:32:11,680
Speaker 1: cops it's not sexy for cops to solve this, particularly

597
00:32:11,680 --> 00:32:14,080
Speaker 1: if they'd get deal with murders and other things that

598
00:32:14,080 --> 00:32:17,160
Speaker 1: are top on their thing. Uh the the the uh

599
00:32:17,520 --> 00:32:20,360
Speaker 1: DE office is like, I just got to take the paperwork,

600
00:32:20,400 --> 00:32:22,880
Speaker 1: I got no say over this, and the criminal can

601
00:32:22,960 --> 00:32:25,080
Speaker 1: find everything in a few minutes. Now. It almost is

602
00:32:25,120 --> 00:32:27,400
Speaker 1: the perfect crime, isn't it.

603
00:32:27,080 --> 00:32:29,640
Speaker 9: It really is from you know, I hate to say this,

604
00:32:29,680 --> 00:32:32,080
Speaker 9: but you know, from from a fraudster's point of view,

605
00:32:32,400 --> 00:32:36,000
Speaker 9: it's great because people don't know it's out there, they

606
00:32:36,000 --> 00:32:38,959
Speaker 9: don't know it's happening. It doesn't get the coverage it should.

607
00:32:39,320 --> 00:32:43,800
Speaker 9: And law enforcement is you know, they're it's say they're outgunned,

608
00:32:43,960 --> 00:32:46,680
Speaker 9: but they're you know, they're they're not used to it.

609
00:32:46,720 --> 00:32:49,320
Speaker 9: They're they're and they so they what they try and

610
00:32:49,360 --> 00:32:51,959
Speaker 9: do is say, oh, it's a it's it's civil, that's

611
00:32:52,000 --> 00:32:54,480
Speaker 9: civil that's not criminal. It's absolutely criminal.

612
00:32:54,760 --> 00:32:57,040
Speaker 1: Yeah, no doubt about it. They just saw you to

613
00:32:57,040 --> 00:32:59,200
Speaker 1: a lawyer. All right. I want to ask about the

614
00:32:59,280 --> 00:33:01,120
Speaker 1: very first time you did this. I think you're like

615
00:33:01,120 --> 00:33:03,920
Speaker 1: twenty eight, twenty nine, you're in Florida. Tell us how

616
00:33:03,920 --> 00:33:06,320
Speaker 1: you started on the very first fraud that you did.

617
00:33:08,280 --> 00:33:09,720
Speaker 9: Oh gosh, the first time I did this.

618
00:33:11,520 --> 00:33:12,880
Speaker 1: I don't know if I want to, I won't.

619
00:33:13,040 --> 00:33:14,120
Speaker 9: I guess I won't use his name.

620
00:33:14,200 --> 00:33:17,440
Speaker 1: Yeah, yeah, yeah.

621
00:33:17,480 --> 00:33:19,880
Speaker 9: I was driving through a neighborhood with a friend and

622
00:33:20,000 --> 00:33:23,760
Speaker 9: he had mentioned that he knew somebody that owned a

623
00:33:23,800 --> 00:33:27,800
Speaker 9: house free and clear, and so I went. So I

624
00:33:28,360 --> 00:33:32,040
Speaker 9: made a fake ID, I went downtown, checked he actually

625
00:33:32,040 --> 00:33:34,480
Speaker 9: had a lien on the property. I created a fake

626
00:33:34,560 --> 00:33:37,760
Speaker 9: satisfaction of lean satisfied the lian on the property, and

627
00:33:37,800 --> 00:33:40,160
Speaker 9: then I borrowed I want to say, three or four

628
00:33:40,280 --> 00:33:45,800
Speaker 9: mortgages in his name. And when the authorities figured out

629
00:33:45,800 --> 00:33:50,320
Speaker 9: what was happening, they actually grabbed him and brought him

630
00:33:50,400 --> 00:33:53,840
Speaker 9: downtown and questioned him for I don't know whether it

631
00:33:53,880 --> 00:33:56,280
Speaker 9: was four or six hours, but a considerable amount of

632
00:33:56,280 --> 00:33:58,760
Speaker 9: time because they thought he was involved in it. Wow,

633
00:33:59,160 --> 00:34:01,440
Speaker 9: because I borrow the money in his name. So he's

634
00:34:01,480 --> 00:34:05,720
Speaker 9: sitting there, there's four mortgages on his property. The banks

635
00:34:05,720 --> 00:34:08,640
Speaker 9: are all screaming what's going on. They all thought they

636
00:34:08,640 --> 00:34:11,160
Speaker 9: were a first mortgage. And he's trying to say I

637
00:34:11,160 --> 00:34:13,280
Speaker 9: didn't do this, and they're saying we lend him the money.

638
00:34:14,120 --> 00:34:17,600
Speaker 1: That is insane. He's double victimized because first he's losing

639
00:34:17,640 --> 00:34:19,600
Speaker 1: his property and then he's the suspect for a period

640
00:34:19,640 --> 00:34:22,640
Speaker 1: of time. Right correct, Wow, what a crafty think. Well,

641
00:34:22,680 --> 00:34:24,640
Speaker 1: your story is a great story of redemption. And now

642
00:34:24,680 --> 00:34:26,359
Speaker 1: I know you were facing I think hundreds of years

643
00:34:26,400 --> 00:34:29,600
Speaker 1: in prison when you began cooperating. The last twenty years

644
00:34:29,600 --> 00:34:31,759
Speaker 1: you've done in last ten years particularly, you've done a

645
00:34:31,760 --> 00:34:35,080
Speaker 1: lot to try to help people understand and prevent this

646
00:34:35,120 --> 00:34:38,880
Speaker 1: going forward. If your victims had had hometown of Locke,

647
00:34:39,040 --> 00:34:42,400
Speaker 1: would this have been pulled off the way you did it? No?

648
00:34:42,400 --> 00:34:42,560
Speaker 3: No.

649
00:34:43,080 --> 00:34:48,600
Speaker 9: I remember seeing the commercials when I was incarcerated, and

650
00:34:48,680 --> 00:34:51,799
Speaker 9: I remember standing in front of the television thinking, Wow,

651
00:34:52,800 --> 00:34:55,279
Speaker 9: that would have been a complete game changer. It would

652
00:34:55,320 --> 00:34:58,160
Speaker 9: have stopped me dead in my track because the homeowner

653
00:34:58,160 --> 00:35:00,000
Speaker 9: would be notified immediately and they'd be able to go

654
00:35:00,120 --> 00:35:03,600
Speaker 9: law enforcement immediately. And then of course home title lock

655
00:35:03,640 --> 00:35:05,319
Speaker 9: would be able to hire them an attorney and all

656
00:35:05,360 --> 00:35:09,720
Speaker 9: of it. I never would have gotten through ten percent

657
00:35:10,520 --> 00:35:13,399
Speaker 9: of that crime. I would have probably been grabbed at

658
00:35:13,400 --> 00:35:16,600
Speaker 9: the bank or at the title company. It would have

659
00:35:16,600 --> 00:35:18,719
Speaker 9: stopped me dead my tracks. There's just no way I

660
00:35:18,719 --> 00:35:22,520
Speaker 9: could pull this off if people had home title lock

661
00:35:22,560 --> 00:35:24,000
Speaker 9: and they were monitoring their titles.

662
00:35:24,280 --> 00:35:27,719
Speaker 1: Shrinking that window to the notification really cuts the criminal

663
00:35:27,800 --> 00:35:31,200
Speaker 1: off at the head of the past, and that's so important. Matthew.

664
00:35:31,239 --> 00:35:33,160
Speaker 1: Thank you for what you've done since you've gotten out.

665
00:35:33,360 --> 00:35:35,319
Speaker 1: You've made a lot of people safer and better, and

666
00:35:35,560 --> 00:35:37,200
Speaker 1: every time you come on the show, we're a lot smarter.

667
00:35:37,360 --> 00:35:38,800
Speaker 1: So thanks for joining us today.

668
00:35:39,520 --> 00:35:40,319
Speaker 9: Thank you for having me.

669
00:35:40,360 --> 00:35:43,040
Speaker 1: I appreciate having you on. Thanks so much. All right, folks, Wow,

670
00:35:43,160 --> 00:35:45,640
Speaker 1: just think about that. It's kind of chilling. His first

671
00:35:45,680 --> 00:35:47,959
Speaker 1: victon gets double victim. I now I was losing his home.

672
00:35:48,160 --> 00:35:49,680
Speaker 1: He might have been the suspect for a while. How

673
00:35:49,680 --> 00:35:51,919
Speaker 1: about that. All right, we're going to take a quick break.

674
00:35:52,120 --> 00:35:53,480
Speaker 1: Before we do that, I want you to go right

675
00:35:53,480 --> 00:35:55,319
Speaker 1: now at hometown lock dot com and take advantage of

676
00:35:55,320 --> 00:35:59,080
Speaker 1: this incredible offer. We have JTN ten ten percent off. Yeah,

677
00:35:59,200 --> 00:36:02,120
Speaker 1: you'll get a free check on your home title lock.

678
00:36:02,239 --> 00:36:06,080
Speaker 1: Make sure you check the million dollar triple lock protection details.

679
00:36:06,080 --> 00:36:08,479
Speaker 1: It's really great. But you're gonna get peace of mind

680
00:36:08,520 --> 00:36:10,799
Speaker 1: a check on your title and that future alert and

681
00:36:10,800 --> 00:36:13,040
Speaker 1: protection that comes with it, including that twenty four to

682
00:36:13,040 --> 00:36:15,640
Speaker 1: seven monitoring. It's much better than waking up like some

683
00:36:15,680 --> 00:36:17,879
Speaker 1: of the victims we've been talking about. All right, we're

684
00:36:17,880 --> 00:36:19,920
Speaker 1: gonna take that quick commercial break. We'll be back with

685
00:36:20,040 --> 00:36:24,600
Speaker 1: another fun conversation, this time with FBI agents who investigate

686
00:36:24,640 --> 00:36:26,040
Speaker 1: it and know all about this crime. I'll have that

687
00:36:26,080 --> 00:36:37,680
Speaker 1: right after he's message. Welcome back everybody to this special

688
00:36:37,800 --> 00:36:40,359
Speaker 1: edition of Justin Who's No Noise. We're taking a look

689
00:36:40,360 --> 00:36:42,319
Speaker 1: at the crime of home titletuff. It's a deep dive.

690
00:36:42,360 --> 00:36:45,279
Speaker 1: It's something that the FBI calls house dealing, and who

691
00:36:45,360 --> 00:36:48,360
Speaker 1: better to break it down on how law enforcement deals

692
00:36:48,360 --> 00:36:51,239
Speaker 1: with it than a former fbigent himself joining us our

693
00:36:51,239 --> 00:36:54,520
Speaker 1: good friend and retired FBI agent Art Fits and Meyer. Art,

694
00:36:54,520 --> 00:36:55,399
Speaker 1: welcome back to the show.

695
00:36:56,520 --> 00:36:58,719
Speaker 10: Nice to be here, Blig. I always enjoy being on

696
00:36:58,800 --> 00:36:59,240
Speaker 10: your show.

697
00:36:59,480 --> 00:37:02,040
Speaker 1: We enjoy and you do such a good job of

698
00:37:02,080 --> 00:37:04,759
Speaker 1: helping us understand what this is. So you saw this

699
00:37:04,840 --> 00:37:07,759
Speaker 1: when you were in at the Bureau of today, it's

700
00:37:07,800 --> 00:37:10,640
Speaker 1: becoming more and more prevalent. Why is it so easy

701
00:37:10,640 --> 00:37:13,680
Speaker 1: for criminals to pull this off and also to escape prosecution.

702
00:37:14,719 --> 00:37:16,560
Speaker 11: Well, you know, back in those days, it was almost

703
00:37:16,600 --> 00:37:19,200
Speaker 11: like you're using a hammer and a choosebel compared to

704
00:37:19,239 --> 00:37:22,320
Speaker 11: the digital age that we're in now, they still were.

705
00:37:22,160 --> 00:37:24,200
Speaker 10: Able to do it. They just had to.

706
00:37:24,160 --> 00:37:27,640
Speaker 11: Get a lot more personally involved in going to get

707
00:37:27,640 --> 00:37:32,000
Speaker 11: the records and going to move the transaction forward. But

708
00:37:32,160 --> 00:37:36,319
Speaker 11: because there's so much money on the table, you know,

709
00:37:36,680 --> 00:37:39,279
Speaker 11: it was hard to say no. If you're a bad guy,

710
00:37:39,320 --> 00:37:41,400
Speaker 11: It's like, you know, why do you do this? And

711
00:37:41,400 --> 00:37:44,600
Speaker 11: they'll tell you that's where the money was. They could

712
00:37:44,600 --> 00:37:48,600
Speaker 11: make a lot more money stealing somebody's house or trying

713
00:37:48,640 --> 00:37:51,759
Speaker 11: to get on the title with them than they could by,

714
00:37:52,160 --> 00:37:53,080
Speaker 11: you know, robbing.

715
00:37:52,840 --> 00:37:55,200
Speaker 10: A bank or doing a stick up somewhere.

716
00:37:55,600 --> 00:38:01,000
Speaker 11: So it's something that had kind of humbled beginnings compared

717
00:38:01,000 --> 00:38:03,680
Speaker 11: to now. But in the digital age now, and even

718
00:38:03,920 --> 00:38:05,600
Speaker 11: I've been in my ninth it's my ninth year with

719
00:38:05,640 --> 00:38:09,680
Speaker 11: the company. AI wasn't an issue quite frankly nine years ago,

720
00:38:10,239 --> 00:38:13,200
Speaker 11: and now we have AI and the only thing that's

721
00:38:13,280 --> 00:38:16,560
Speaker 11: done is speed up the whole process for the bad guys,

722
00:38:17,120 --> 00:38:20,719
Speaker 11: So would they need less and less time to complete,

723
00:38:20,840 --> 00:38:23,200
Speaker 11: you know, to complete the crime to where they can

724
00:38:23,239 --> 00:38:27,120
Speaker 11: actually get a check. And so it's more important than

725
00:38:27,200 --> 00:38:31,799
Speaker 11: ever that you are aware of what's going on in

726
00:38:31,840 --> 00:38:35,239
Speaker 11: the life of your home and your homes title and

727
00:38:35,239 --> 00:38:37,120
Speaker 11: that's what we do at Home Title Lot quite frankly

728
00:38:37,239 --> 00:38:37,719
Speaker 11: as you know.

729
00:38:38,160 --> 00:38:41,320
Speaker 1: Yeah, it's so important. And your colleague that comes on

730
00:38:41,440 --> 00:38:43,600
Speaker 1: sometimes Jane Finch, he was in the cyber crime division.

731
00:38:43,640 --> 00:38:46,360
Speaker 1: I think it was in that moment when it moved

732
00:38:46,360 --> 00:38:50,120
Speaker 1: to cyber crimes that the difficulty in catching and detecting

733
00:38:50,640 --> 00:38:53,480
Speaker 1: the criminal became harder because they could get it done

734
00:38:53,480 --> 00:38:55,400
Speaker 1: a lot quicker and be in the win before anyone

735
00:38:55,400 --> 00:38:59,399
Speaker 1: would even detect it. Talk about the shrinking time that

736
00:38:59,440 --> 00:39:01,080
Speaker 1: a criminal has to pull this off and how that

737
00:39:01,120 --> 00:39:04,040
Speaker 1: makes it harder to ultimately find them.

738
00:39:04,640 --> 00:39:09,080
Speaker 11: Well, the whole key in this whole scenario of title

739
00:39:09,200 --> 00:39:14,400
Speaker 11: fraud is getting that first check issued to you, because

740
00:39:14,520 --> 00:39:17,799
Speaker 11: once that happens, you're gone. You're probably using a false

741
00:39:17,840 --> 00:39:21,040
Speaker 11: identity at that point you cash the check, well the

742
00:39:21,160 --> 00:39:24,200
Speaker 11: check is you know, it's all done electronically anyway, and

743
00:39:24,320 --> 00:39:27,080
Speaker 11: it's moved to a bank and even before the bank

744
00:39:27,239 --> 00:39:31,680
Speaker 11: you know, really finalizes the transactions moved again offshore where

745
00:39:31,719 --> 00:39:35,359
Speaker 11: the crooks, you know, go someplace with wide beaches and.

746
00:39:35,360 --> 00:39:36,640
Speaker 10: Drinks with umbrellas in them.

747
00:39:36,880 --> 00:39:40,200
Speaker 11: And you're standing in your front door trying to pursue, pursue,

748
00:39:40,719 --> 00:39:45,120
Speaker 11: persuade the lender that you didn't do that you didn't.

749
00:39:44,840 --> 00:39:47,120
Speaker 10: Make that loan. And the lender is going to.

750
00:39:47,040 --> 00:39:50,000
Speaker 11: Say, you know what, We're going to take a court

751
00:39:50,120 --> 00:39:52,560
Speaker 11: and get a judge to order give us an order

752
00:39:52,600 --> 00:39:54,920
Speaker 11: to sell your house so that we can get our

753
00:39:54,960 --> 00:39:55,359
Speaker 11: money back.

754
00:39:55,360 --> 00:39:57,640
Speaker 10: They don't want your house. I just want the money back.

755
00:39:58,000 --> 00:40:01,120
Speaker 11: And it's called foreclosure, and it's a real ugly set

756
00:40:01,160 --> 00:40:04,120
Speaker 11: of facts, and it gets very expensive for you to

757
00:40:04,200 --> 00:40:07,440
Speaker 11: defend yourself to try to get the house that you.

758
00:40:07,360 --> 00:40:10,600
Speaker 10: Own back in your name. The key here is you've.

759
00:40:10,400 --> 00:40:13,280
Speaker 11: Got to stop it right away. And that's what title

760
00:40:13,360 --> 00:40:15,080
Speaker 11: art does better than anybody else.

761
00:40:15,640 --> 00:40:18,080
Speaker 1: My alert system is the key, and that cuts off

762
00:40:18,120 --> 00:40:21,440
Speaker 1: the criminal of the past. You've had a lot of

763
00:40:21,440 --> 00:40:23,880
Speaker 1: great discases in your distinguishment. Do you have a favorite

764
00:40:23,880 --> 00:40:26,240
Speaker 1: case or a case you remember most that really shows

765
00:40:26,280 --> 00:40:28,000
Speaker 1: how title fraud devastates a homeowner?

766
00:40:29,440 --> 00:40:34,520
Speaker 11: You know, there's one that happened almost coincidentally with me

767
00:40:34,800 --> 00:40:37,880
Speaker 11: joining the company, and we got a call, and we

768
00:40:37,920 --> 00:40:42,640
Speaker 11: were pretty small back then, quite frankly, from.

769
00:40:42,719 --> 00:40:44,520
Speaker 10: A guy who had been defrauded.

770
00:40:44,560 --> 00:40:48,319
Speaker 11: He had somebody took out a mortgage on his house

771
00:40:48,360 --> 00:40:50,560
Speaker 11: and took off with the money, and he didn't know

772
00:40:50,560 --> 00:40:53,360
Speaker 11: what to do, and he wanted to know if we

773
00:40:53,440 --> 00:40:57,080
Speaker 11: could help him. You know, it was way beyond the

774
00:40:57,160 --> 00:40:58,839
Speaker 11: time when we would have done any help to him,

775
00:40:58,880 --> 00:41:01,120
Speaker 11: but I did try to compliment on what he needed

776
00:41:01,160 --> 00:41:04,440
Speaker 11: to do, and essentially he needed to get an attorney

777
00:41:04,719 --> 00:41:07,279
Speaker 11: to protect him because otherwise the banks were going to

778
00:41:07,280 --> 00:41:10,759
Speaker 11: get possession of that house in a court order and

779
00:41:10,800 --> 00:41:13,080
Speaker 11: be able to sell it. So he went through it

780
00:41:13,520 --> 00:41:16,399
Speaker 11: and we kept in touch, and it went on well

781
00:41:16,440 --> 00:41:19,160
Speaker 11: over two years, I believe, and he finally called me

782
00:41:19,200 --> 00:41:21,440
Speaker 11: back and he said, well, the house is back in

783
00:41:21,480 --> 00:41:25,360
Speaker 11: my name and I said, well, congratulations. He said, well,

784
00:41:25,360 --> 00:41:27,160
Speaker 11: that's half the story. The other half of the story

785
00:41:27,239 --> 00:41:29,759
Speaker 11: is it costs me so much in legal fees. I

786
00:41:29,800 --> 00:41:32,720
Speaker 11: had to sell the house to pay the lawyers. So

787
00:41:32,840 --> 00:41:34,439
Speaker 11: he won the battle, he lost the war.

788
00:41:34,920 --> 00:41:36,640
Speaker 10: And you don't want to be in that position.

789
00:41:37,239 --> 00:41:39,160
Speaker 1: Yeah, And the scope and scale this is huge, right,

790
00:41:39,200 --> 00:41:41,560
Speaker 1: it's hundreds of thousands of dollars that the thief is

791
00:41:41,600 --> 00:41:43,600
Speaker 1: going to walk away with, and then the home owner

792
00:41:43,640 --> 00:41:45,160
Speaker 1: on top of that is going to spend tens of

793
00:41:45,160 --> 00:41:48,600
Speaker 1: thousands on a minimum trying to rectify if they're left open.

794
00:41:48,680 --> 00:41:51,200
Speaker 1: So help us understand what's the best and what can

795
00:41:51,239 --> 00:41:54,440
Speaker 1: a homeowner do right now that would actually prevent them

796
00:41:54,440 --> 00:41:55,960
Speaker 1: from having to go through that horror story.

797
00:41:56,680 --> 00:41:59,799
Speaker 11: You know, one of the things I sometimes start out

798
00:41:59,800 --> 00:42:03,480
Speaker 11: and conversations like this with with somebody like he was

799
00:42:03,520 --> 00:42:06,640
Speaker 11: pretty knowledgeable on it, as I say, you know, I

800
00:42:07,320 --> 00:42:11,880
Speaker 11: have what I call the home title lock, million dollar

801
00:42:12,719 --> 00:42:18,800
Speaker 11: triple lock, you know, spot quiz, the pop quiz, And

802
00:42:18,840 --> 00:42:22,480
Speaker 11: it's just three questions is and it's simply do you

803
00:42:22,520 --> 00:42:27,759
Speaker 11: know what your title looks like? Number two, when was

804
00:42:27,800 --> 00:42:29,360
Speaker 11: the last time you saw your title?

805
00:42:30,480 --> 00:42:34,200
Speaker 10: And then they get the same wide eyed look.

806
00:42:34,680 --> 00:42:36,920
Speaker 11: And number three is do you know where your title

807
00:42:37,120 --> 00:42:38,800
Speaker 11: is right now?

808
00:42:39,840 --> 00:42:42,440
Speaker 10: And of the people aren't going to even answer one

809
00:42:42,440 --> 00:42:43,560
Speaker 10: of those questions, quite frank.

810
00:42:44,440 --> 00:42:48,480
Speaker 11: And the bad news is the bad guys know you

811
00:42:48,520 --> 00:42:51,799
Speaker 11: can't answer those questions. They know you are staring in

812
00:42:51,880 --> 00:42:54,799
Speaker 11: this camera trying to figure out if there is an

813
00:42:54,840 --> 00:42:58,480
Speaker 11: answer for those questions. And the other bad news is

814
00:42:59,239 --> 00:43:01,879
Speaker 11: the bad guys know that since you don't know that,

815
00:43:02,320 --> 00:43:07,239
Speaker 11: then you are a potential victim for them because you

816
00:43:07,280 --> 00:43:10,200
Speaker 11: won't figure this out until the money's on that island

817
00:43:10,200 --> 00:43:12,640
Speaker 11: with the sandy beaches that I talked about. So you

818
00:43:12,800 --> 00:43:16,680
Speaker 11: need to make sure that you have some way of

819
00:43:16,840 --> 00:43:20,319
Speaker 11: knowing the answer to those three questions. You know, you

820
00:43:20,360 --> 00:43:23,440
Speaker 11: know where it is, if you've seen it, you know

821
00:43:23,680 --> 00:43:25,279
Speaker 11: when it was the last time you saw it.

822
00:43:25,360 --> 00:43:25,560
Speaker 10: You know.

823
00:43:25,840 --> 00:43:28,160
Speaker 11: I had one guy say to me, he said, he said,

824
00:43:28,200 --> 00:43:31,319
Speaker 11: you know, oh, I've seen it. He said, In fact,

825
00:43:31,840 --> 00:43:34,600
Speaker 11: when we closed, we got one hundred and fifty two

826
00:43:34,640 --> 00:43:37,600
Speaker 11: hundred pages of documents. We signed an initial each one

827
00:43:38,040 --> 00:43:40,720
Speaker 11: and he said, I'm Forrey sure was in there twelve

828
00:43:40,800 --> 00:43:41,279
Speaker 11: years ago.

829
00:43:41,320 --> 00:43:43,200
Speaker 10: And I said, that's not going to help you today.

830
00:43:44,120 --> 00:43:47,280
Speaker 11: You need to know your title is moment to moment,

831
00:43:47,400 --> 00:43:50,560
Speaker 11: and what you need to do is sign up right

832
00:43:50,560 --> 00:43:53,840
Speaker 11: now for home title lot. We have our million dollar

833
00:43:54,960 --> 00:43:57,520
Speaker 11: triple lot protection that we give to you.

834
00:43:58,120 --> 00:44:00,680
Speaker 10: It couldn't be a better deal a day.

835
00:44:01,120 --> 00:44:04,839
Speaker 11: And what you need to do is sign up right

836
00:44:04,880 --> 00:44:07,200
Speaker 11: now because the other thing that you get here that

837
00:44:07,280 --> 00:44:12,239
Speaker 11: we don't exactly you know more loudly enough is you

838
00:44:12,320 --> 00:44:14,120
Speaker 11: get a copy of that title.

839
00:44:14,239 --> 00:44:16,040
Speaker 1: Folks, don't be one of those persons who doesn't know

840
00:44:16,080 --> 00:44:18,439
Speaker 1: where their title when a thief knows where your title

841
00:44:18,480 --> 00:44:20,960
Speaker 1: is because they found it on cyberspace. Take advantage of

842
00:44:20,960 --> 00:44:23,520
Speaker 1: this incredible offer. Go to hometitle lock dot com right now,

843
00:44:23,960 --> 00:44:27,000
Speaker 1: use the JTN ten promo code. Get yourself protected, get

844
00:44:27,000 --> 00:44:28,880
Speaker 1: that peace of mind. Don't let it go past tonight.

845
00:44:29,080 --> 00:44:31,120
Speaker 1: All right, We're gonna take one more commercial break and

846
00:44:31,160 --> 00:44:33,440
Speaker 1: then we'll be right back for one final thought before

847
00:44:33,480 --> 00:44:52,880
Speaker 1: we close out for the weekend. Welcome back to America.

848
00:44:52,920 --> 00:44:55,279
Speaker 1: Over the last hour, you've heard some testimonies about home

849
00:44:55,320 --> 00:44:57,799
Speaker 1: Title Lock and how it can protect you and your

850
00:44:57,840 --> 00:44:59,680
Speaker 1: home from the crime of home title theft. And who

851
00:44:59,680 --> 00:45:03,360
Speaker 1: better to talk more about that than title theft education

852
00:45:03,480 --> 00:45:07,000
Speaker 1: expert from home tootle Lot. Our good friend Natalie is Natalie.

853
00:45:07,000 --> 00:45:09,040
Speaker 1: Welcome back, Hi John.

854
00:45:09,120 --> 00:45:11,319
Speaker 12: It's so great to be back with you guys, you know,

855
00:45:11,520 --> 00:45:13,840
Speaker 12: being able to kind of share these stories and really

856
00:45:13,880 --> 00:45:17,120
Speaker 12: give your audience a good understanding of what exactly is

857
00:45:17,160 --> 00:45:21,120
Speaker 12: going on, because it feels like our normal mainstream news

858
00:45:21,400 --> 00:45:23,399
Speaker 12: kind of doesn't focus on the things that really are

859
00:45:23,440 --> 00:45:26,799
Speaker 12: affecting us individually. Right, A lot of it's focusing on

860
00:45:27,200 --> 00:45:29,800
Speaker 12: kind of these overarching stories that are keeping people interested.

861
00:45:29,840 --> 00:45:32,600
Speaker 12: But you know, real people are being affected, Real stories

862
00:45:32,600 --> 00:45:34,920
Speaker 12: are happening, you know, hot off the press. Four people

863
00:45:34,960 --> 00:45:39,000
Speaker 12: in New York right now are being prosecuted and haven't

864
00:45:39,000 --> 00:45:41,000
Speaker 12: even gone through all of their full trial yet for

865
00:45:41,120 --> 00:45:44,440
Speaker 12: falsified documents in twenty twenty three that they filed with

866
00:45:44,480 --> 00:45:48,200
Speaker 12: the New York City Register's Office illegally transferring the ownership

867
00:45:48,280 --> 00:45:52,440
Speaker 12: of only three properties but valued over three million dollars

868
00:45:52,560 --> 00:45:56,400
Speaker 12: and took out hundreds of thousands of dollars in loans

869
00:45:56,440 --> 00:45:59,520
Speaker 12: and selling one of the properties. And it's really sad.

870
00:45:59,560 --> 00:46:01,799
Speaker 12: One of the targets was a seventy six year old

871
00:46:01,800 --> 00:46:05,239
Speaker 12: woman for queens. They transferred her house, they false fighter

872
00:46:05,360 --> 00:46:07,560
Speaker 12: sister signature, who was a co owner, you know, no

873
00:46:07,600 --> 00:46:09,680
Speaker 12: one there for her. Another one was a mother and daughter.

874
00:46:10,040 --> 00:46:13,080
Speaker 12: They transferred the documents to one of the co conspirators

875
00:46:13,800 --> 00:46:16,520
Speaker 12: companies they or no sorry, excuse me, they sold hers

876
00:46:16,560 --> 00:46:19,319
Speaker 12: behind her back for six hundred thousand dollars. And I

877
00:46:19,320 --> 00:46:23,200
Speaker 12: think you know a couple of the important things to

878
00:46:23,200 --> 00:46:26,080
Speaker 12: know here. One the main conspirator here was a real

879
00:46:26,200 --> 00:46:29,160
Speaker 12: estate agent, and we're seeing this more and more of

880
00:46:29,200 --> 00:46:31,279
Speaker 12: these people that are doing this for a living. You know,

881
00:46:31,360 --> 00:46:34,280
Speaker 12: you talked to Matt Cox, he was a mortgage broker.

882
00:46:34,360 --> 00:46:36,959
Speaker 12: You know, they have kind of understanding. And we're seeing

883
00:46:36,960 --> 00:46:39,759
Speaker 12: these people grouped together with co conspiutors to make this

884
00:46:39,920 --> 00:46:44,320
Speaker 12: like an unwinding process of all these different people involved,

885
00:46:44,680 --> 00:46:46,960
Speaker 12: and a lot of people don't realize how hard that

886
00:46:47,480 --> 00:46:50,160
Speaker 12: is too unwind in the long term. It's really it's

887
00:46:50,200 --> 00:46:50,840
Speaker 12: really hard for me.

888
00:46:51,680 --> 00:46:54,000
Speaker 1: Jennifer at the top of the show, I thought, really

889
00:46:54,040 --> 00:46:56,160
Speaker 1: brought a lot of wisdom to this, and she said

890
00:46:56,160 --> 00:46:58,880
Speaker 1: that thankfully she had home down a lock and so

891
00:46:58,960 --> 00:47:01,880
Speaker 1: she got up to the bottom very very quickly. But

892
00:47:02,080 --> 00:47:04,640
Speaker 1: even then it was a seven month process to get

893
00:47:04,680 --> 00:47:06,640
Speaker 1: it all rectified. If she was paying out a pocket,

894
00:47:06,680 --> 00:47:09,560
Speaker 1: she said, she couldn't have afforded that. No matter what happens,

895
00:47:09,560 --> 00:47:11,120
Speaker 1: this is going to be a long journey. That's why

896
00:47:11,120 --> 00:47:13,360
Speaker 1: hometown a lot saves people the expense, right.

897
00:47:14,120 --> 00:47:16,480
Speaker 12: Absolutely, And I'd love to expand on that for a

898
00:47:16,480 --> 00:47:19,400
Speaker 12: minute too. You know, Jennifer mentioned, you know, there's no

899
00:47:19,440 --> 00:47:21,160
Speaker 12: one there for you. They told her go file a

900
00:47:21,160 --> 00:47:23,000
Speaker 12: police report, they told her get a lawyer. She went

901
00:47:23,040 --> 00:47:26,640
Speaker 12: to the police department, they knew who it was, and

902
00:47:26,800 --> 00:47:29,759
Speaker 12: they still couldn't really do anything. And I don't really

903
00:47:29,800 --> 00:47:32,480
Speaker 12: think people kind of understand the process. You know, the

904
00:47:32,719 --> 00:47:34,680
Speaker 12: story that I just talked about. In New York, they're

905
00:47:34,719 --> 00:47:37,280
Speaker 12: being indicted for all these things, you know, grand larceny,

906
00:47:37,719 --> 00:47:40,719
Speaker 12: you know, full of filing, falsified document stuff. There's no

907
00:47:40,920 --> 00:47:44,120
Speaker 12: crime called title theft or title fraught, we.

908
00:47:44,200 --> 00:47:44,719
Speaker 4: Call it that.

909
00:47:44,840 --> 00:47:48,360
Speaker 12: But they're being charged for items involved in this crime.

910
00:47:48,719 --> 00:47:51,040
Speaker 12: But if you go to the police department and you say, hey,

911
00:47:51,239 --> 00:47:55,080
Speaker 12: this happened, this person filed this false document, the burden

912
00:47:55,280 --> 00:47:58,560
Speaker 12: is on the homeowner to first prove it was fraud

913
00:47:59,239 --> 00:48:03,000
Speaker 12: before anything criminally can happen. If it even happens. For

914
00:48:03,080 --> 00:48:05,200
Speaker 12: those that are lucky enough to get there, she said,

915
00:48:05,200 --> 00:48:08,960
Speaker 12: it took seven months, and yeah, we've seen that in California.

916
00:48:09,000 --> 00:48:10,800
Speaker 12: There was a woman it took three and a half years,

917
00:48:11,280 --> 00:48:13,960
Speaker 12: just because someone brought someone to a notary pretending to

918
00:48:14,000 --> 00:48:17,000
Speaker 12: be the homeowner. And it's all these different pieces and

919
00:48:17,120 --> 00:48:19,640
Speaker 12: parts and things. And if you're doing it yourself and

920
00:48:19,680 --> 00:48:23,200
Speaker 12: you have no one to fight for you, you're on your own.

921
00:48:23,440 --> 00:48:25,600
Speaker 12: It's all out of pocket. You have to figure out

922
00:48:25,640 --> 00:48:27,120
Speaker 12: what you're doing. You have to find a real estate

923
00:48:27,160 --> 00:48:29,879
Speaker 12: agent or sorry, a real estate attorney that actually knows

924
00:48:29,960 --> 00:48:31,920
Speaker 12: how to go through this process, because not all of

925
00:48:31,960 --> 00:48:32,399
Speaker 12: them do.

926
00:48:33,040 --> 00:48:34,040
Speaker 1: Yeah, it's a lot.

927
00:48:34,120 --> 00:48:35,279
Speaker 12: It's a lot for homeowners.

928
00:48:35,400 --> 00:48:37,600
Speaker 1: It's a big to ching, a big emotional to ching,

929
00:48:37,800 --> 00:48:40,880
Speaker 1: and a long time gap before it's ever going to

930
00:48:40,920 --> 00:48:43,840
Speaker 1: get resolved. That's what makes this partnership so exciting. With

931
00:48:43,880 --> 00:48:46,960
Speaker 1: Thrill America's voice as the education next Week got about

932
00:48:46,960 --> 00:48:49,479
Speaker 1: thirty seconds left, what's the number one thing people don't

933
00:48:49,520 --> 00:48:50,279
Speaker 1: know that they need to.

934
00:48:50,239 --> 00:48:54,839
Speaker 12: Know that it can happen in a split second. So

935
00:48:54,880 --> 00:48:57,239
Speaker 12: you saw Jennifer. She was lucky. She caught it over

936
00:48:57,280 --> 00:49:00,239
Speaker 12: the weekend. Still took her seven months to unwind. That's

937
00:49:00,360 --> 00:49:03,000
Speaker 12: with us, that's with our expertise and our restoration team.

938
00:49:03,360 --> 00:49:05,719
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939
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Speaker 12: make sure that you're taken care of. It's better to

940
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Speaker 12: have protection and not need it than to not be

941
00:49:11,280 --> 00:49:12,320
Speaker 12: protected when it matters.

942
00:49:12,360 --> 00:49:15,560
Speaker 1: Most cyberd documents and AI are just speeding up this

943
00:49:15,640 --> 00:49:18,120
Speaker 1: crime even more. It's such an important time to get

944
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Speaker 1: get protected. Natalie. We love having you on every time.

945
00:49:21,760 --> 00:49:23,440
Speaker 1: Thanks for giving us a great update, and thanks for

946
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Speaker 1: this partnership. This is something I really enjoy doing. It's

947
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Speaker 1: an important thing to educate folks, all right, folks with

948
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949
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950
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951
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958
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Speaker 1: be back tomorrow the regular programming until then, God bless

959
00:49:55,080 --> 00:49:56,040
Speaker 1: you and thanks for joining me.