The Moat Story

Unfortunately, we live in a society that includes numerous scams and frauds involving identity theft. We have all probably received notice from a credit card company, bank or credit agency that our most sensitive data has been compromised. Some of us have had to close credit cards or bank accounts that became compromised with fraudulent transactions. It’s a painful process that leaves us feeling vulnerable and violated.

Identity theft is real and despite our best efforts to keep our data secure it seems that the bad guys are always coming up with new ways to attack our identities and wreak havoc on our credit and our lives.

Over the last few years, the bad guys have come up with a new scam to attack our identity targeting our property and often the very homes we live in.  This identity scam begins in the public records (usually the county or parish where the property is located) where scammers can research owners of real property often looking for high-value properties with little or no mortgage burdens, second or vacation homes, or even vacant land.  The bad guys prepare a fraudulent deed with the actual owner’s name, forge the owner’s signature on the document, and record the document in the public records and guess what, the actual owner just conveyed their home or property in the public records to a thief.  To be clear, these conveyances are fraudulent and these deeds are not enforceable contracts when challenged by the rightful owner in a court of law as they are based in fraud, nonetheless, the impact can result in various forms of emotional and financial harm to the rightful property owner and certainly deliver clouds on the title that will need to be removed likely with a court action.  It is a stunning scam with many examples of how it is being played out noted on the News Page.

Moat Title Security offers a solid and proactive defense to this scam.  As a client of Moat, you will have a legal and copyrighted Notice of Title Freeze prepared by Moat and placed in the public records to provide public notice that you have effectively frozen your title and will not convey any interest in or otherwise encumber your property interests without first unfreezing your title by recording a Title Unfreeze and Release document.

The Notice of Title Freeze is similar to a credit freeze that protects your consumer credit and it is a clear notice and message to the public that your title is frozen and any attempt to record a conveyance or an encumbrance against your title without your express recorded is fraudulent.   This scam begins in the public records which is why we have built the Notice of Title Freeze to be placed in the public records like a moat around your property title.

We are a growing company with service areas in Colorado,  Oklahoma, Texas, Florida and Arizona where Moat representatives live and work in the same communities as our client base. Moat has aggressive plans to grow into all states by year end 2024 so if you are not in a current service area check back in the News Page for states where Moat will be operating soon!