Your mortgage company needs to ensure that it records a satisfaction of mortgage with the recorder of deeds. Once that is recorded, the title should vest in your name, and you can retrieve a copy from the recorder of deeds in city hall.
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Recorder of Deeds, City Hall. That is where you find out who has title (deed) to your home.
You own it still. The mortgage & the deed are 2 different things. If the bank had the right to take your home, it would first have to file a foreclosure. That's the law. You should automatically get a sat piece which will have been filed with the court which you should take to a real estate lawyer in your area to have recorded.
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The 1099-C has nothing to do with ownership of the home. You can go down to City Hall and find out who the owner is.
Did the house go through foreclosure? If it did, the lender is just notifying you of the amount of debt that was "cancelled" that may or may not be taxable as income to you. If the house did not go through foreclosure, then the lender may simply have cancelled the debt, which amount may or may not be taxable as income to you.
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