What is it that we are saying when we state: “A cloud is on my title”? First off we must understand what a Colorable Claim to Title is and what Title is as those are two distinctly different things. Colorable claim as defined by the Legal Information Institute of Cornell Law School is stated as: “A plausible legal claim. In other words, a claim strong enough to have a reasonable chance of being valid if the legal basis is generally correct and the facts can be proven in court. The claim need not actually result in a win.” The banks are hoping that the hearsay claims to title that are recorded into public record will be enough to steal the home from beneath the homeowners. As defined in Hocking v. Title Ins. & Trust Co., 37 CaL 2d 644,648 (1951), title is "A common meaning [of the word 'title'] is complete ownership, in the sense of all the rights, privileges, powers and immunities an owner may have with respect to land." The documents that are filed into public record are done to memorialize transactions; they do not cause the transactions. When the document being either an “Assignment of Mortgage or an Assignment of a Deed of Trust” is filed into public record the purpose is to memorialize the transaction of a sale of a Tangible Negotiable Instrument as well as the acquisition of rights to title, it does not cause the sale.