Hello, I am happy to answer your question.
I am so sorry for your troubles. What has happened to you is a crime, and you should report it immediately. Call the attorney general and file a formal report. They might be able to help you get compensated for this unbelievable behavior.
This is very serious because you could not only lose your home, but also any equity that you have in it. Please gather all documents that you have from the purchase of your home, from the mortgage and from the interactions with home solutions.
Then immediately report this, because you should not lose your home over this.
I would also immediately call the attorneys representing the bank on this. Tell them that the transfer that took place was illegal and that you demand for them to reinstate your mortgage. It is in their best interest to work with you now as well, because if the transfer of the deed was no good, then they have no security interest in their mortgage. Start writing letters to them to create a paper trail, and follow up with phone calls.
I hope this helps. Good luck.
Ok, so what was done with the title that was put back in your name? Isn't the mortgage now in the name of home solutions? Was anything done with the forged title, was it filed? Even if it was filed, it is fraudulent for the home solutions to sign over the deed back to you when the mortage is in their name, so that deed would be challenged in court by the bank at the time of sale or foreclosure.
Here are my thoughts. Obviously you and your wife both know the implications of forging such a document. Especially for your wife because she could lose her notary license.
If nothing was done with that title, then do nothing. Don't do anything else until you go to court. This guy took advantage of you, and I understand that you acted out of desperation, but it will look very bad that you forged this document.
Go to the attorney general and court immediately.
The attorney you need to speak with is the attorney representing the bank. They will be VERY interested in your story - no need to mention the last deed unless it is absolutely necessary. I hope this works out for you.
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