How are they coming up with the *missing* chain of title?

The Columbus Dispatch-

Like thousands of other people, Tina and Mark Holstein found themselves about to lose their home to foreclosure.

Then, days away from a sheriff’s sale this year, the Holsteins received a pleasant surprise when their mortgage company, JPMorgan Chase & Co., approved an offer of $80,000 for the Carroll-area property, even though the couple owed about $134,000 on it.

That surprise turned to shock when they learned that, in addition to the debt being forgiven, they would receive two checks at closing: $20,000 from Chase and $3,000 from a federal program.

“We wondered, ‘Is this really happening?’??” Tina Holstein said. “We were waiting for someone to jump out and say, ‘Give it back.’??”

[THE COLUMBUS DISPATCH]