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Zombie title
A zombie title is a real estate title that has stayed with the owner of a residential property after the mortgage lender has begun a foreclosure process (making the owner believe that the owner no longer owns) but then the lender does not finish the foreclosure process - thus leaving title in zombie (limbo) status. The owner thinks the foreclosing lender owns, but the foreclosing lender doesn't own until the process is complete and there has been a transfer of title per state foreclosure law. The owner is therefore often unaware of the reality the owner continues to own, with all the owner obligations associated with continued ownership, such as payment of local taxes and upkeep of the property in accordance with local and state laws, because the owner thinks the lender who foreclosed owns. the zombie title problem is made worse when the foreclosure litigation simply stalls or takes an unreasonable amount of time to complete. 〔Investopedia, (Zombie Titles )〕 The prevalence of zombie titles greatly increased in the United States following the financial crisis of 2007–08.〔Michelle Conlin, Reuters, 10 January 2013, (Special Report: The latest foreclosure horror: the zombie title )〕〔''Forbes'', 29 January 2013, (What Homeowners Need To Know About Zombie Titles )〕〔Scott Gunnerson, ''USA Today, 1 September 2013, (When owners walk, 'zombie' homes become nuisance )〕〔Michelle Conlin, ''Reuters'', 10 January 2013, (Curse of the zombie title: They bought the house, but it’s still not theirs )〕
==References==
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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