SACRAMENTO (CBS13) — A Sacramento woman afresh refinanced her home and got a ambiguous apprehension in the mail, allurement her to angle over money.
She wasn’t abiding if she should pay so she absitively to alarm Kurtis first.
She got this apprehension in the mail from a aggregation alleged Appellation Recording Service.
It’s for a address declaration. What’s that? And do you absolutely allegation one?
“It comes with a archetype of my appellation so it was a little confusing,” said Amanda Morrow, Sacramento homeowner.
Just weeks afterwards refinancing her home, Amanda got this apprehension from Appellation Recording Account out of Burbank.
It accustomed with a archetype of her absolute deed.
“When I aboriginal looked at it, I anticipation it was absolutely to almanac my appellation for my refinancing,” said Amanda.
This aggregation capital $48.95 additional agent fees to book a “declaration of homestead” with the canton recorder’s office. It’s a filing that protects a homeowner’s disinterestedness if they are anytime sued.
But we’ve abstruse you don’t necessarily allegation one of these filings but if you appetite that added protection, you can ample out the forms yourself for free.
“It’s absolutely on that band amid betray and accepted business,” said Chris Morran, Deputy Editor, Consumerist.com.
Morran thinks these types of companies are littoral the law and are profiting from it.
“People abatement for it all the time because it looks official, it sounds official,” said Morran.
But we’ve abstruse this aggregation may be breaking California accompaniment law, which says companies can allegation no added than $25 for this blazon of service.
And on the top of their letters, They charge accept this box of disclosures in 12 point adventurous chantry absolution bodies apperceive “THIS HOMESTEAD FILING SERVICE IS NOT ASSOCIATED WITH ANY GOVERNMENT AGENCY” and “YOU DO NOT HAVE TO RECORD A HOMESTEAD DECLARATION.”
But attending at Appellation Recording Service’s mailing. There’s no acknowledgment box.
Although they do accomplish agnate disclosures in the letter in abate print.
We accomplished out to the aggregation three times but never heard back.
Amanda’s animated she didn’t abatement for it.
“They can accomplish a lot of money off bodies who are actuality gullible,” said Amanda.
We’ve abstruse in California, you automatically accept some aegis after a acknowledgment of homestead.
For alone homeowners, the bulk of disinterestedness adequate is up to $75,000.
Declaring your address won’t access that bulk but it offers added aegis in some cases.
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