I read this and wondered about it.
The best way to smoke out the REAL LENDER is by filing a lawsuit seeking to quiet title. This has already been done successfully in dozens of cases in many states. We are tracking what people are reporting. In almost ALL cases where this was the central focus of the attack against the pretender lender, the homeowner was awarded quiet title by DEFAULT. (The other side never answered).
Couple of questions I have to anyone who might know:
Exactly WHO does the title company contact to contest claims to the title? If it's only the ones listed on my deed of trust at my county, then I have a strong suspicion that this might be an interesting strategy... none of them are involved in any way with my mortgages any longer.
What is the potential negative consequence of performing a quiet title action if unsuccessful? In other words, why WOULDN'T someone do this who believes their note and title are screwed up? Would this not, by default, inspire a situation where the current lender must prove that they own it, if they DO somehow respond?
This interests me very much.