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I think the short answer is whoever's name and address is on the bill. My credit card and car insurance policy have changed names and addresses several times over the years. They use P.O.Box numbers so there isn't even a building attached.
Jordan writes: ``I've noticed over the years that some of the times that I've refinanced not everything lined up. But so long as we both maintain the fiction, everything is fine.''
I think that is exactly what's going on.
Jordan: ``I think it's a little weird to be calling this 'fraud' as tempting as it is to label foreclosures as criminal in some way..''
State prosecutor offices are joining together to investigate, which sounds to me like they think there is fraud. This might be to determine if the affidavit process has been phonied up.
CG