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Zook Search Inc. turns ten years old! - Dan Zook/NY
5/16/2011 9:08:34 AM (3123 views)
Re: Zook Search Inc. turns ten years old! - Robert Franco/OH
5/16/2011 11:17:49 AM (3279 views)

Witches attempt to "clean" houses of negative energy - Leigh Attridge/MA
5/15/2011 7:28:40 PM (3691 views)
Re: Witches attempt to "clean" houses of negative energy - William Pattison /CA
5/16/2011 3:37:27 PM (3334 views)
Re: Witches attempt to "clean" houses of negative energy - Deborah Manion/VA
5/17/2011 2:48:50 PM (3048 views)

Facing the Prospect of Losing a Home to flooding in Louisiana - Leigh Attridge/MA
5/15/2011 9:11:10 AM (3361 views)

Hope for Owners of Cancer Stricken Pets - Kevin Ahern/CT
5/15/2011 7:30:35 AM (3762 views)
Re: Hope for Owners of Cancer Stricken Pets - William Pattison /CA
5/16/2011 3:44:14 PM (3065 views)

Automatic Subordination - F P/VA
5/13/2011 4:20:09 PM (5749 views)
Re: Automatic Subordination - CHARLENE  PERRY/MD
5/13/2011 4:29:24 PM (4836 views)
Re: Automatic Subordination - F P/VA
5/13/2011 4:46:38 PM (3481 views)
Re: Automatic Subordination - Patrick Scott/IL
5/13/2011 5:15:12 PM (3582 views)
Re: Automatic Subordination - Robert Franco/OH
5/13/2011 11:14:31 PM (3704 views)
Re: Automatic Subordination - Robert Franco/OH
5/13/2011 11:21:07 PM (4291 views)
Re: Automatic Subordination - Jeffrey Land/NJ
5/16/2011 10:19:06 AM (3547 views)


Real Title Services


Time Management at it's best- Not title related just sharing - CHARLENE  PERRY/MD
5/13/2011 4:19:13 PM (2820 views)
Re: Time Management at it's best- Not title related just sharing - Dorothy Payne/NY
5/16/2011 7:30:28 PM (2957 views)

How are people from other countries doing it? - Carrin/TX
5/13/2011 11:23:27 AM (3166 views)
Re: How are people from other countries doing it? - Nils Nelson/ME
5/13/2011 3:52:19 PM (3326 views)
Re: How are people from other countries doing it? - Michael Toebe/KS
5/13/2011 6:40:14 PM (3201 views)
Re: How are people from other countries doing it? - Brenda Palmer/TN
5/16/2011 5:24:46 AM (3197 views)
Re: How are people from other countries doing it? - William Pattison /CA
5/31/2011 11:43:39 PM (2960 views)

I cannot answer my phone! - Robert Franco/OH
5/12/2011 3:30:15 PM (3211 views)
Re: I cannot answer my phone! - Kevin Ahern/CT
5/12/2011 4:12:47 PM (3272 views)
Re: I cannot answer my phone! - Leigh Attridge/MA
5/12/2011 4:26:50 PM (3232 views)
Re: I cannot answer my phone! - Donna McCullough/SC
5/12/2011 5:50:30 PM (3306 views)
Re: I cannot answer my phone! - Nils Nelson/ME
5/12/2011 6:00:07 PM (3128 views)
Re: I cannot answer my phone! - Nils Nelson/ME
5/12/2011 6:02:41 PM (3216 views)
Does your state offer a no-call list choice - Michael Toebe/KS
5/13/2011 6:42:33 PM (3205 views)
Re: I cannot answer my phone! - john franz/NJ
5/16/2011 8:54:52 AM (2986 views)

1 in 3 homeowners underwater? - Garret  Fitzgerald/VA
5/11/2011 12:07:14 PM (4066 views)
Re: 1 in 3 homeowners underwater? - Robert Franco/OH
5/11/2011 12:46:53 PM (3205 views)
Re: 1 in 3 homeowners underwater? - Kevin Ahern/CT
5/11/2011 1:09:14 PM (3081 views)
Re: 1 in 3 homeowners underwater? - William Pattison /CA
5/11/2011 1:26:14 PM (3212 views)
Re: 1 in 3 homeowners underwater? - Scott Perry/PA
5/11/2011 4:44:30 PM (3349 views)
Re: Thank you... - Robert Franco/OH
5/11/2011 4:58:32 PM (3158 views)
Re: Thank you... - Scott Perry/PA
5/11/2011 5:32:35 PM (3105 views)
Re: Thank you... - Slade Smith/OH
5/11/2011 8:04:58 PM (3133 views)
Re: Thank you... - Scott Perry/PA
5/14/2011 10:40:03 AM (4563 views)
Re: Thank you... - Slade Smith/OH
5/14/2011 6:20:59 PM (3158 views)
Re: 1 in 3 homeowners underwater? - Mark Pierson/FL
5/16/2011 9:48:14 AM (2880 views)
Re: 1 in 3 homeowners underwater? - Slade Smith/OH
5/11/2011 7:50:08 PM (3111 views)
Re: 1 in 3 homeowners underwater? - Scott Perry/PA
5/14/2011 11:39:31 AM (3089 views)
Re: 1 in 3 homeowners underwater? - Kevin McCarthy/AR
5/16/2011 1:46:22 AM (2925 views)
Re: 1 in 3 homeowners underwater? - Scott Perry/PA
5/16/2011 7:15:02 AM (2966 views)
Re: 1 in 3 homeowners underwater? - Robert Franco/OH
5/16/2011 8:24:11 AM (2976 views)
Re: 1 in 3 homeowners underwater? - Janis Talbot/SC
5/16/2011 8:56:12 AM (2977 views)

Round the Clock Docs - Sandra Harold/KS
5/11/2011 11:35:38 AM (5288 views)
Re: Round the Clock Docs - Nils Nelson/ME
5/11/2011 11:45:00 AM (3509 views)
Re: Round the Clock Docs - rod hefner/KS
5/17/2011 5:11:03 PM (3334 views)
Round the Clock Docs -- NOT Affiliated with Abstractors A Go Go - Charlie Reynolds/NJ
5/17/2011 5:54:14 PM (3804 views)

Fed Retreat on Bigger Loans Rattles Housing - Leigh Attridge/MA
5/11/2011 9:35:18 AM (3184 views)

No Mortgage Modification for me! - Paula Reynolds/FL
5/10/2011 5:56:32 PM (2923 views)
Re: No Mortgage Modification for me! - Garret  Fitzgerald/VA
5/11/2011 12:09:18 PM (3004 views)
Re: No Mortgage Modification for me! - john franz/NJ
5/16/2011 8:59:28 AM (2885 views)
Re: No Mortgage Modification for me! - Janis Talbot/SC
5/16/2011 9:04:02 AM (2770 views)

Comment on "Another County Looks to Recover Lost Fees from MERS" - Source of Title/OH
5/10/2011 2:59:01 PM (2755 views)
MERS - Lee Holzinger/CA
5/10/2011 2:59:01 PM (4640 views)

What is Reasonable? - Carl Litchfield/SC
5/9/2011 7:54:04 PM (2907 views)
Re: What is Reasonable? - Jessica Talley/FL
5/10/2011 9:02:44 AM (2947 views)
Re: What is Reasonable? - Donna McCullough/SC
5/10/2011 9:06:42 PM (2934 views)
Re: What is Reasonable? - Kevin Ahern/CT
5/11/2011 8:27:04 AM (2948 views)

You have to be careful about assessing late charges. The law permitting them is state specific. In Connecticut you can not charge interest/ late fees unless there is a statute that permits it or you have a contract with the client that permits it.

You also have to be mindful of usuary laws in the forum state. Although I think that a commercial transaction such as you describe is not subject to these laws, it would be a good idea to consult the law of the forum state. In Connecticut usurious interest/late charges make both the principal and the late charge uncollectible.

In terms of collection...don't waste your time with collection agencies. All they can do is make threatening telephone calls which are limited by the Fair Credit Collection Act and write annoying letters. You are better off serving the client with a summons. Most of the time it is enough to get you paid, and you do not have to go to the expense of litigation. Sometimes just sending them a copy of the summons with a cover letter explaining that you will serve it if you are not paid is enough, but be prepared to follow through with serving it. There is something impressive about a marshal appearing in their place of business, flashing a badge and serving the papers.

Publishing your complaint on the internet or other media is not a good idea. It could lead to an ugly and expensive defamation or trade libel suit. While the truth of the statement is a defense, you would still have to go through the expense and aggtavation of defending yourself. By contrast the same statements that may be defamatory are covered in most states by a qualified/conditional privilege when alleged in a civil action. Statements made in court pleadings, depositions and testimony do not give rise to suits for defemation. However, the key word is qualified/conditional privilege. The privilege can be lost by over publication in the media. We had an ugly divorce case here in Connecticut a few years ago which apparently gained a high profile in the media. One of the litigants chose to publish remarks in the media while the case was pending, and lost the privilege through over publication.

 

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Re: What is Reasonable? - Carl Litchfield/SC
5/11/2011 11:31:16 AM (2890 views)
Re: What is Reasonable? - Dan Zook/NY
5/11/2011 3:08:17 PM (2875 views)
Re: What is Reasonable? - Janis Talbot
5/16/2011 9:14:12 AM (2765 views)

Comment on "Title Insurance Industry 2010 Performance-- in Graphs" - Source of Title/OH
5/7/2011 4:00:23 PM (3100 views)
Good Work! - Wyatt Bell/FL
5/7/2011 4:00:23 PM (3047 views)
Re: Good Work! - Slade Smith/OH
5/9/2011 2:46:07 PM (2891 views)


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