strawperson

In some cases, use of a strawperson to obtain loan funds is illegal.

Or strawperson, if you prefer.

That argument knocks down a strawperson.

A strawperson is also "a person of no means," or one who deliberately accepts a liability or other monetary responsibility without the resources to fulfill it.

Straw purchase of property is legal as long as the strawperson is not part of an attempt to defraud a mortgage lender or other creditor.

A strawperson or straw man is a figure not intended to have a genuine beneficial interest in a property, to whom such property is nevertheless conveyed in order to facilitate a transaction.

When the current owner of a property wishes to create a joint tenancy with another party, the grantor conveys the property to a strawperson (often a lawyer or the lawyer's secretary), who in turn creates a second deed conveying property to the original grantor and their desired joint tenant(s).