W is c onsin Ch ristian N e w s .c om Volume 26, Issue 2 Three Reasons Why I Don’t Recommend Title Lock Insurance Pa g e 34
By Attorney Al Spiegel, McLario, Helm, Bertling & Spiegel Law Offices (See display ad on Page 40 of this issue of WCN) May 2025 One of the most common questions
serving hundreds of families and thousands of individuals in a va- riety of ways. And I have never once seen an example of title theft as described in the title lock commercials. Could an identity thief forge a deed and file it with the county to try and take someone’s house? Sure. Why don’t they? First, they
was prior to the forgery. Scammers are undoubtedly al- ways up for a new scam, but this particular one is unlikely to catch on for the reasons stated above. It would seem they are much more likely to invest their time and energy into selling use- less insurance to vulnerable peo- ple.
home, it doesn’t send you a letter to let you know you were robbed a few days ago! 3). Title lock insurance doesn’t provide a clear service in the event of fraud. Title lock insurance is not only not a lock; it is also not insur- ance. One title lock insurance website claims that the company will spend up to one million dol- lars with its U.S. team in the event that a title is stolen. No fur- ther information is provided. It does not specify how much it will spend in the event of a theft — it just sets a maximum. It does not specify where those funds will be directed. Do they hire a local at- torney? Do they send you a check for your lost time and added stress? Do they hire them- selves to send a series of letters to your local police department? Do they charge you to throw a pizza party at their office to cele- brate the fact that a title theft has actually occurred? It is not clear. All we know is that they will provide payments ranging from $0 to $1,000,000. That’s not enough information. For all of these reasons, title “lock” “insurance” should be avoided. Its only apparent value is to upset people by suggesting a very unlikely scenario — and it provides no clear protection or remedy in the event that unlikely scenario occurs. McLario.com
that comes up during estate planning consultations at my of- fice is based on commercials on late-night television and ads that sometimes pop up on social media. What are those commer- cials selling? Title lock insur- ance. What’s their pitch? The commer- cials suggest that identity thieves may steal the ownership of peo- ple’s homes by fraudulently filing deeds, mortgages, or other legal documents with forged signa- tures of the owners — and the owners would never know it. Then, as a result of those forged and fraudulent documents, the owners would have to move out of their own home or pay large sums of money to “repay” a debt they never incurred. To be clear, I do not recommend title lock in- surance of any kind, for three primary reasons: 1). Title theft is extremely rare. As an estate planning attorney who has been practicing law for over 20 years, I have seen a lot of things — and have accumulated client stories that are inspiring, infuriating, and everything in be- tween. I have had the privilege of
2). Title lock insurance doesn’t lock anything. The biggest misnomer about title lock insurance is that it doesn’t lock anything. As adver- tised on the websites of title lock insurers, the service they provide is to monitor people’s deeds (a free service through county gov- ernment) and let them know if their title has been stolen. That’s not a lock! A door lock prevents thieves from getting into your
would be committing a felony in doing so and would almost cer- tainly end up in jail, because they are literally leaving a paper trail leading directly to them- selves. Second — and probably more impactfully — the scam would not work. As soon as the fraudulent documents were dis- covered, a judge would reverse whatever document was forged and filed, and the owner would be restored to life exactly as it
If It Was All Over With, Why Did the Lord Send a Prophet? By Bradlee Dean, Sons of Liberty May 2025 How many times I have heard people give up
SonsOfLibertyRadio.com
“If ye oppress not the stranger, the fatherless, and the widow, and shed not innocent blood in this place, neither walk after other gods to your hurt:
on their own people and their own country is more than can be numbered. If it is not the professors in the Church that are saying that this is the end and that there is nothing that they can do, then it is the politi- cians acting out and parrot- ing the same. Yet, the
“Then will I cause you to dwell in this place, in the land that I gave to your fa- thers, for ever and ever.” I think of the preacher of righteousness, Noah (2 Peter 2:5). I think of Moses and Joshua, who led the children of Israel into the
reality is that the present position and state of America is the fruit of both (Galatians 6:7), who have left off their own duty and obligations be- fore the Lord. “Thy way and thy doings have procured these things unto thee; this is thy wickedness, be- cause it is bitter, because it reacheth unto thine heart.” -Jeremiah 4:18. In fact, if what they were saying was true, then the Lord would not have sent a prophet! In Chapter 7, the word that came to Jeremiah from the LORD was: “Stand in the gate of the LORD’s house (and Kings Jeremiah 17:19), and proclaim there this word, and say, Hear the word of the LORD, all ye of Judah, that enter in at these gates to wor- ship the LORD. “Thus saith the LORD of hosts, the God of Israel, Amend your ways and your doings, and I will cause you to dwell in this place. “Trust ye not in lying words… “For if ye throughly amend your ways and your doings; if ye throughly execute judgment between a man and his neighbor;
Promised Land, that is, if they took heed to their leadings (1 Corinthians 10:1-5). I think of Abra- ham making intercession for Sodom and Go- morrah (Genesis 18:23-33), the prophets sent to preserve His people in the Book of Judges, major prophets such as Jeremiah, Ezekiel, and Daniel, the small prophets such as Amos, Jonah, etc…. And in the New Testament, prophets such as Jesus, John the Baptist, Agabus and Peter all bringing forth the same message: “Save yourselves from this untoward generation.” (Acts 2:40). How many countries in the past, and in the present, would the Lord have preserved if only they would have amended their ways before Him? The message of the prophet sent from the Lord is always clear: Either accept the mes- sage, repent and turn from your wicked ways in keeping His judgments and statutes (Matthew 3:2; Deuteronomy 4:6; Isaiah 58:12), which is the fruit of repentance (2 Corinthians 7:10-11) or reject the message to your own de- mise.
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