"I don't know what's involved, so it must be easy."

Post #332,981 by drook 9/23/10 2:11:59 PM Reply	"I don't know what's involved, so it must be easy." A simple check at that point would have ended all of this. ... ... there are gaping holes in the >legal< process that also could/should be easily fixed. See my other post. This is not an easy fix. And using the 9/11 emergency responder communication issue, I'd expect you to know that this problem still isn't solved. Another problem that's not as easy as it looks from the outside. -- Drew
Post #332,985 by beepster 9/23/10 2:29:40 PM Reply	sigh and the gaps in the legal process are the banks fault how???? And how is it not an easy fix to empower the Appraiser to reject a request from the court on behalf of someone who their documents show as NOT owning the house? This is difficult how, exactly? Sure, understanding today's complex world of the future is a little like having bees live in your head. But...there they are.
Post #332,989 by drook 9/23/10 2:42:14 PM Reply	Scott pointed out half the problem, same as me If you're asking the court to do the research, you're creating a huge change in the way courts operate. Now you seem to be saying it should be the recorder to makes the determination. Box already said, and I gave more detail, that the recorder doesn't do research either. They just record everything. It's been this way for decades. (If not centuries.) You say, "someone who their documents show as NOT owning the house," as though there is a document for every property, continually up-to-date, with a single field on it for "owner". That doesn't exist. The recorder keeps a stream of documents, which can be searched for and collected, which relate to (or may relate to) a property. Someone receiving this collection of documents can review them in chronological order to determine any apparent interests in a property. If you've only ever bought and sold houses that had clean title (see my other post) then it might have appeared easy when you saw the paperwork at your closing. "Yes, that document there says the title was transferred to the previous owner in January of 2001." As soon as you start dealing with liens, second mortgages (to different lenders), past-due taxes, lawsuits from contractors, and of course foreclosures, that pile of papers can get really big really fast. And many of them are claims against the property, which may or may not be legitimate. It's not simple, just because you want it to be. -- Drew
Post #332,993 by beepster 9/23/10 2:55:09 PM Reply	You are missing it here. The court is supposed to decide between 2 parties, correct? If 2 parties are not present (as is the case in nearly all of these cases) then the court should require that clear authority is established by the plaintiff, meaning they have to research title at appraiser and PROVE they have claim and have that claim verified. Establishing ownership in property is the job of the government. I don't care if "its been that way for decades". And again, this is a DATA ISSUE. Even when you describe this, it is a DATA ISSUE. A simple verification of the DATA in this case would have shown the bank had no claim and the appraiser's office should have been empowered to reject that claim. It should be DAMNED HARD for a lien or judgement to be entered against a property. (and no, not all of my sales/purchases have been clean title). Just because "its always been that way" doesn't mean 1) it should be that way and 2) it has to stay that way. And the appraisers systems should be capable of doing this in a clear fashion. They have no problem sending the current owner a tax bill...and expecting it to be paid. I should have no problem, then, expecting them to know EXACTLY who owns a property. Sure, understanding today's complex world of the future is a little like having bees live in your head. But...there they are.
Post #333,001 by boxley 9/23/10 4:27:04 PM Reply	nit fulton county finds it hard to find out who to send the tax bill to. Its only updated once a year and is frequently wrong Any opinions expressed by me are mine alone, posted from my home computer, on my own time as a free American and do not reflect the opinions of any person or company that I have had professional relations with in the past 55 years. meep

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