Les Christie @CNNMoney

Borrowers are discovering that their foreclosed homes are coming back to haunt them — long after they have moved out.

In these so-called zombie foreclosures, borrowers move out of their homes after their bank schedules a foreclosure auction only to find out months or years later that the auction never took place or the bank never transferred the deed to the house. The Second Coming Of Zombie Foreclosures That means the borrower still technically owns the home, leaving them on the hook for property taxes, fees and for homeowners’ association dues.

Since the housing bubble first burst seven years ago, almost two million properties have started the foreclosure process but never completed it, according to RealtyTrac. In half of those cases, the homeowner is fighting to stay in the home. But there are close to one million properties that are in some sort of foreclosure limbo. While no one knows the exact number, it’s estimated that tens of thousands of those properties could be zombie foreclosures.

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