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Special Report: The latest foreclosure horror: the zombie title

Joseph Keller (L), and his wife Jennifer look through their abandoned house in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed through with the foreclosure sale, leaving the Kellers responsible for thousands of dollars in back taxes and code violations on a house that had since been stripped to its studs and rendered worthless. Picture taken September 30, 2012. REUTERS/Jay LaPrete

Joseph Keller (L), and his wife Jennifer look through their abandoned house in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never...more

Joseph Keller (L), and his wife Jennifer look through their abandoned house in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed through with the foreclosure sale, leaving the Kellers responsible for thousands of dollars in back taxes and code violations on a house that had since been stripped to its studs and rendered worthless. Picture taken September 30, 2012. REUTERS/Jay LaPrete
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Joseph Keller looks at the trash and damage in the attic of his abandoned house in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed through with the foreclosure sale, leaving the Kellers responsible for thousands of dollars in back taxes and code violations on a house that had since been stripped to its studs and rendered worthless. Picture taken September 30, 2012. REUTERS/Jay LaPrete

Joseph Keller looks at the trash and damage in the attic of his abandoned house in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never...more

Joseph Keller looks at the trash and damage in the attic of his abandoned house in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed through with the foreclosure sale, leaving the Kellers responsible for thousands of dollars in back taxes and code violations on a house that had since been stripped to its studs and rendered worthless. Picture taken September 30, 2012. REUTERS/Jay LaPrete
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Joseph Keller and his wife Jennifer stand on the porch of their abandoned house in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed through with the foreclosure sale, leaving the Kellers responsible for thousands of dollars in back taxes and code violations on a house that had since been stripped to its studs and rendered worthless. Picture taken September 30, 2012. REUTERS/Jay LaPrete

Joseph Keller and his wife Jennifer stand on the porch of their abandoned house in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never...more

Joseph Keller and his wife Jennifer stand on the porch of their abandoned house in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed through with the foreclosure sale, leaving the Kellers responsible for thousands of dollars in back taxes and code violations on a house that had since been stripped to its studs and rendered worthless. Picture taken September 30, 2012. REUTERS/Jay LaPrete
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Joseph Keller stands outside the kitchen door of his abandoned house in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed through with the foreclosure sale, leaving the Kellers responsible for thousands of dollars in back taxes and code violations on a house that had since been stripped to its studs and rendered worthless. Picture taken September 30, 2012. REUTERS/Jay LaPrete

Joseph Keller stands outside the kitchen door of his abandoned house in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed...more

Joseph Keller stands outside the kitchen door of his abandoned house in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed through with the foreclosure sale, leaving the Kellers responsible for thousands of dollars in back taxes and code violations on a house that had since been stripped to its studs and rendered worthless. Picture taken September 30, 2012. REUTERS/Jay LaPrete
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The trashed and damaged bathroom of Joseph and Jennifer Keller's abandoned house is pictured in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed through with the foreclosure sale, leaving the Kellers responsible for thousands of dollars in back taxes and code violations on a house that had since been stripped to its studs and rendered worthless. Picture taken September 30, 2012. REUTERS/Jay LaPrete

The trashed and damaged bathroom of Joseph and Jennifer Keller's abandoned house is pictured in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that...more

The trashed and damaged bathroom of Joseph and Jennifer Keller's abandoned house is pictured in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed through with the foreclosure sale, leaving the Kellers responsible for thousands of dollars in back taxes and code violations on a house that had since been stripped to its studs and rendered worthless. Picture taken September 30, 2012. REUTERS/Jay LaPrete
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The trashed and damaged dining room of Joseph and Jennifer Keller's abandoned house is pictured in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed through with the foreclosure sale, leaving the Kellers responsible for thousands of dollars in back taxes and code violations on a house that had since been stripped to its studs and rendered worthless. Picture taken September 30, 2012. REUTERS/Jay LaPrete

The trashed and damaged dining room of Joseph and Jennifer Keller's abandoned house is pictured in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out...more

The trashed and damaged dining room of Joseph and Jennifer Keller's abandoned house is pictured in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed through with the foreclosure sale, leaving the Kellers responsible for thousands of dollars in back taxes and code violations on a house that had since been stripped to its studs and rendered worthless. Picture taken September 30, 2012. REUTERS/Jay LaPrete
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The trashed and damaged living room of Joseph and Jennifer Keller's abandoned house is pictured in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed through with the foreclosure sale, leaving the Kellers responsible for thousands of dollars in back taxes and code violations on a house that had since been stripped to its studs and rendered worthless. Picture taken September 30, 2012. REUTERS/Jay LaPrete

The trashed and damaged living room of Joseph and Jennifer Keller's abandoned house is pictured in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out...more

The trashed and damaged living room of Joseph and Jennifer Keller's abandoned house is pictured in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed through with the foreclosure sale, leaving the Kellers responsible for thousands of dollars in back taxes and code violations on a house that had since been stripped to its studs and rendered worthless. Picture taken September 30, 2012. REUTERS/Jay LaPrete
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Joseph Keller stands in the hallway of his abandoned house in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed through with the foreclosure sale, leaving the Kellers responsible for thousands of dollars in back taxes and code violations on a house that had since been stripped to its studs and rendered worthless. Picture taken September 30, 2012. REUTERS/Jay LaPrete

Joseph Keller stands in the hallway of his abandoned house in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed through...more

Joseph Keller stands in the hallway of his abandoned house in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed through with the foreclosure sale, leaving the Kellers responsible for thousands of dollars in back taxes and code violations on a house that had since been stripped to its studs and rendered worthless. Picture taken September 30, 2012. REUTERS/Jay LaPrete
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Joseph Keller and his wife Jennifer talk about the damage done to their abandoned house in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed through with the foreclosure sale, leaving the Kellers responsible for thousands of dollars in back taxes and code violations on a house that had since been stripped to its studs and rendered worthless. Picture taken September 30, 2012. REUTERS/Jay LaPrete

Joseph Keller and his wife Jennifer talk about the damage done to their abandoned house in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the...more

Joseph Keller and his wife Jennifer talk about the damage done to their abandoned house in Columbus, Ohio, September 30, 2012. Five years ago, the Kellers received a foreclosure notice and order of sale from JP Morgan Chase. It turned out that the bank never followed through with the foreclosure sale, leaving the Kellers responsible for thousands of dollars in back taxes and code violations on a house that had since been stripped to its studs and rendered worthless. Picture taken September 30, 2012. REUTERS/Jay LaPrete
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Overgrown trees and shrubs line the driveway to a foreclosed home in Cape Coral, Florida, December 15, 2012. Since 2006, some 10 million homes have fallen into foreclosure, according to RealtyTrac, a real-estate information company in Irvine, California, a number that in earlier, more stable times would have taken nearly two decades to reach. Of those foreclosures, more than 2 million have never come out. Picture taken December 15, 2012. REUTERS/Steve Nesius

Overgrown trees and shrubs line the driveway to a foreclosed home in Cape Coral, Florida, December 15, 2012. Since 2006, some 10 million homes have fallen into foreclosure, according to RealtyTrac, a real-estate information company in Irvine,...more

Overgrown trees and shrubs line the driveway to a foreclosed home in Cape Coral, Florida, December 15, 2012. Since 2006, some 10 million homes have fallen into foreclosure, according to RealtyTrac, a real-estate information company in Irvine, California, a number that in earlier, more stable times would have taken nearly two decades to reach. Of those foreclosures, more than 2 million have never come out. Picture taken December 15, 2012. REUTERS/Steve Nesius
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Ordinance violation notices are posted on the garage door of an abandoned home in Cape Coral, Florida, December 15, 2012. Since 2006, some 10 million homes have fallen into foreclosure, according to RealtyTrac, a real-estate information company in Irvine, California, a number that in earlier, more stable times would have taken nearly two decades to reach. Of those foreclosures, more than 2 million have never come out. Picture taken December 15, 2012. REUTERS/Steve Nesius

Ordinance violation notices are posted on the garage door of an abandoned home in Cape Coral, Florida, December 15, 2012. Since 2006, some 10 million homes have fallen into foreclosure, according to RealtyTrac, a real-estate information company in...more

Ordinance violation notices are posted on the garage door of an abandoned home in Cape Coral, Florida, December 15, 2012. Since 2006, some 10 million homes have fallen into foreclosure, according to RealtyTrac, a real-estate information company in Irvine, California, a number that in earlier, more stable times would have taken nearly two decades to reach. Of those foreclosures, more than 2 million have never come out. Picture taken December 15, 2012. REUTERS/Steve Nesius
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Marlaina Garner with her son Donavon wipes a tear from her eye as she talks with Cleveland Housing Court Judge Raymond Pianka in Cleveland, Ohio October 4, 2012. Since 2006, some 10 million homes have fallen into foreclosure, according to RealtyTrac, a real-estate information company in Irvine, California, a number that in earlier, more stable times would have taken nearly two decades to reach. Of those foreclosures, more than 2 million have never come out. Picture taken October 4, 2012. REUTERS/Aaron Josefczyk

Marlaina Garner with her son Donavon wipes a tear from her eye as she talks with Cleveland Housing Court Judge Raymond Pianka in Cleveland, Ohio October 4, 2012. Since 2006, some 10 million homes have fallen into foreclosure, according to RealtyTrac,...more

Marlaina Garner with her son Donavon wipes a tear from her eye as she talks with Cleveland Housing Court Judge Raymond Pianka in Cleveland, Ohio October 4, 2012. Since 2006, some 10 million homes have fallen into foreclosure, according to RealtyTrac, a real-estate information company in Irvine, California, a number that in earlier, more stable times would have taken nearly two decades to reach. Of those foreclosures, more than 2 million have never come out. Picture taken October 4, 2012. REUTERS/Aaron Josefczyk
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Cleveland Housing Court Judge Raymond Pianka looks on during court sessions in Cleveland, Ohio October 4, 2012. Since 2006, some 10 million homes have fallen into foreclosure, according to RealtyTrac, a real-estate information company in Irvine, California, a number that in earlier, more stable times would have taken nearly two decades to reach. Of those foreclosures, more than 2 million have never come out. Picture taken October 4, 2012. REUTERS/Aaron Josefczyk

Cleveland Housing Court Judge Raymond Pianka looks on during court sessions in Cleveland, Ohio October 4, 2012. Since 2006, some 10 million homes have fallen into foreclosure, according to RealtyTrac, a real-estate information company in Irvine,...more

Cleveland Housing Court Judge Raymond Pianka looks on during court sessions in Cleveland, Ohio October 4, 2012. Since 2006, some 10 million homes have fallen into foreclosure, according to RealtyTrac, a real-estate information company in Irvine, California, a number that in earlier, more stable times would have taken nearly two decades to reach. Of those foreclosures, more than 2 million have never come out. Picture taken October 4, 2012. REUTERS/Aaron Josefczyk
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Brian Barnhart (R) talks with his wife, Holly, inside a bank-foreclosed home he bought and remodelled but never received the title from the previous owner in Cape Coral, Florida, December 15, 2012. Barnhart and his family recently moved out after unsuccessfully trying for months to get the legal title from the bank. Picture taken December 15, 2012. REUTERS/Steve Nesius

Brian Barnhart (R) talks with his wife, Holly, inside a bank-foreclosed home he bought and remodelled but never received the title from the previous owner in Cape Coral, Florida, December 15, 2012. Barnhart and his family recently moved out after...more

Brian Barnhart (R) talks with his wife, Holly, inside a bank-foreclosed home he bought and remodelled but never received the title from the previous owner in Cape Coral, Florida, December 15, 2012. Barnhart and his family recently moved out after unsuccessfully trying for months to get the legal title from the bank. Picture taken December 15, 2012. REUTERS/Steve Nesius
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Cleveland Housing Court Judge Raymond Pianka looks on during court sessions in Cleveland, Ohio October 4, 2012. Since 2006, some 10 million homes have fallen into foreclosure, according to RealtyTrac, a real-estate information company in Irvine, California, a number that in earlier, more stable times would have taken nearly two decades to reach. Of those foreclosures, more than 2 million have never come out. Picture taken October 4, 2012. REUTERS/Aaron Josefczyk

Cleveland Housing Court Judge Raymond Pianka looks on during court sessions in Cleveland, Ohio October 4, 2012. Since 2006, some 10 million homes have fallen into foreclosure, according to RealtyTrac, a real-estate information company in Irvine,...more

Cleveland Housing Court Judge Raymond Pianka looks on during court sessions in Cleveland, Ohio October 4, 2012. Since 2006, some 10 million homes have fallen into foreclosure, according to RealtyTrac, a real-estate information company in Irvine, California, a number that in earlier, more stable times would have taken nearly two decades to reach. Of those foreclosures, more than 2 million have never come out. Picture taken October 4, 2012. REUTERS/Aaron Josefczyk
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Brian Barnhart sits inside a bank-foreclosed home he bought and remodelled but never received the title from the previous owner in Cape Coral, Florida, December 15, 2012. Barnhart and his family recently moved out after unsuccessfully trying for months to get the legal title from the bank. Picture taken December 15, 2012. REUTERS/Steve Nesius

Brian Barnhart sits inside a bank-foreclosed home he bought and remodelled but never received the title from the previous owner in Cape Coral, Florida, December 15, 2012. Barnhart and his family recently moved out after unsuccessfully trying for...more

Brian Barnhart sits inside a bank-foreclosed home he bought and remodelled but never received the title from the previous owner in Cape Coral, Florida, December 15, 2012. Barnhart and his family recently moved out after unsuccessfully trying for months to get the legal title from the bank. Picture taken December 15, 2012. REUTERS/Steve Nesius
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The Barnhart family, Olivia (L-R), Holly, Bailey, Brian and Bennett, stand outside a bank-foreclosed home they bought and remodelled but never received the title from the previous owner in Cape Coral, Florida, December 15, 2012. Barnhart and his family recently moved out after unsuccessfully trying for months to get the legal title from the bank. Picture taken December 15, 2012. REUTERS/Steve Nesius

The Barnhart family, Olivia (L-R), Holly, Bailey, Brian and Bennett, stand outside a bank-foreclosed home they bought and remodelled but never received the title from the previous owner in Cape Coral, Florida, December 15, 2012. Barnhart and his...more

The Barnhart family, Olivia (L-R), Holly, Bailey, Brian and Bennett, stand outside a bank-foreclosed home they bought and remodelled but never received the title from the previous owner in Cape Coral, Florida, December 15, 2012. Barnhart and his family recently moved out after unsuccessfully trying for months to get the legal title from the bank. Picture taken December 15, 2012. REUTERS/Steve Nesius
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Cleveland resident Pamela Coleman (R) alongside her ex-boyfriend, talks with Cleveland Housing Court Judge Raymond Pianka in Cleveland, Ohio October 4, 2012. Since 2006, some 10 million homes have fallen into foreclosure, according to RealtyTrac, a real-estate information company in Irvine, California, a number that in earlier, more stable times would have taken nearly two decades to reach. Of those foreclosures, more than 2 million have never come out. Picture taken October 4, 2012. REUTERS/Aaron Josefczyk

Cleveland resident Pamela Coleman (R) alongside her ex-boyfriend, talks with Cleveland Housing Court Judge Raymond Pianka in Cleveland, Ohio October 4, 2012. Since 2006, some 10 million homes have fallen into foreclosure, according to RealtyTrac, a...more

Cleveland resident Pamela Coleman (R) alongside her ex-boyfriend, talks with Cleveland Housing Court Judge Raymond Pianka in Cleveland, Ohio October 4, 2012. Since 2006, some 10 million homes have fallen into foreclosure, according to RealtyTrac, a real-estate information company in Irvine, California, a number that in earlier, more stable times would have taken nearly two decades to reach. Of those foreclosures, more than 2 million have never come out. Picture taken October 4, 2012. REUTERS/Aaron Josefczyk
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