I understand what you are saying in a general sense, but I am wondering what exactly this looked like to the people signing it and how it was explained. It is truly Kafkaesque to think that somewhere there could be someone taking out a mortgage on your property of which you are not aware.

in contract law, i believe that the written agreement supercedes anything stated by a salesman to be true. so who knows what the salesman told them they were signing.most people don't read these papers but rather sign where told to.

one thing intriguing is that one poster who actually sat thru a sales pitch mentioned something they told him about waiting 3 days or something.

i can't find the post or remember what the context was however there is a 3 day right to rescind or back out of a contract worth $25 or more and signed away from the contractors primary place of business.the contractor is required by law to give you written notice of this provision along with the paperwork to sign should you choose to cancel.

that means you can cancel that aluminum siding contract you signed after the ether wears off as long as the cancellation notice is postmarked within 3 business days of the signing.

it also suggests ,to me at least ,that if the customers were signing a 3 day right to rescind it was on behalf of a third party whose place of biz was not at the office of this company.

Keen said she paid off a $112,000 mortgage from Washington Mutual Home Loans to Image Masters in 2005. Yet once Snyder's company collapsed, Keen learned she owed more than $137,000 from a mortgage OPFM took out with Wells Fargo in February 2007.

"After paying off our loan, we had no further communication with Image Masters or Washington Mutual," Keen said.

Keen said no one from Snyder's businesses ever informed her of the mortgage with Wells Fargo, nor did she ever sign any document with the company.

"Wells Fargo said the responsibility of the mortgage falls back to us even though they acknowledged that Image Masters was paid," Keen said.

I think Lanzate was the person who sat through the sales pitch then got up and ran. Are you saying the 3 day recision rule only applies if you aren't at the primary business place? I am sure most people don't know that.