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Automatic Subordination - F P/VA
5/13/2011 4:20:09 PM (5891 views)
Re: Automatic Subordination - CHARLENE  PERRY/MD
5/13/2011 4:29:24 PM (5250 views)
Re: Automatic Subordination - F P/VA
5/13/2011 4:46:38 PM (3911 views)
Re: Automatic Subordination - Patrick Scott/IL
5/13/2011 5:15:12 PM (4002 views)
Re: Automatic Subordination - Robert Franco/OH
5/13/2011 11:14:31 PM (4131 views)
Re: Automatic Subordination - Robert Franco/OH
5/13/2011 11:21:07 PM (4704 views)
Re: Automatic Subordination - Jeffrey Land/NJ
5/16/2011 10:19:06 AM (4003 views)

Time Management at it's best- Not title related just sharing - CHARLENE  PERRY/MD
5/13/2011 4:19:13 PM (2984 views)
Re: Time Management at it's best- Not title related just sharing - Dorothy Payne/NY
5/16/2011 7:30:28 PM (3482 views)

How are people from other countries doing it? - Carrin/TX
5/13/2011 11:23:27 AM (3363 views)
Re: How are people from other countries doing it? - Nils Nelson/ME
5/13/2011 3:52:19 PM (3848 views)
Re: How are people from other countries doing it? - Michael Toebe/KS
5/13/2011 6:40:14 PM (3663 views)
Re: How are people from other countries doing it? - Brenda Palmer/TN
5/16/2011 5:24:46 AM (3674 views)
Re: How are people from other countries doing it? - William Pattison /CA
5/31/2011 11:43:39 PM (3415 views)

I cannot answer my phone! - Robert Franco/OH
5/12/2011 3:30:15 PM (3413 views)
Re: I cannot answer my phone! - Kevin Ahern/CT
5/12/2011 4:12:47 PM (3742 views)
Re: I cannot answer my phone! - Leigh Attridge/MA
5/12/2011 4:26:50 PM (3703 views)
Re: I cannot answer my phone! - Donna McCullough/SC
5/12/2011 5:50:30 PM (3821 views)
Re: I cannot answer my phone! - Nils Nelson/ME
5/12/2011 6:00:07 PM (3567 views)
Re: I cannot answer my phone! - Nils Nelson/ME
5/12/2011 6:02:41 PM (3670 views)
Does your state offer a no-call list choice - Michael Toebe/KS
5/13/2011 6:42:33 PM (3700 views)
Re: I cannot answer my phone! - john franz/NJ
5/16/2011 8:54:52 AM (3471 views)

1 in 3 homeowners underwater? - Garret  Fitzgerald/VA
5/11/2011 12:07:14 PM (4272 views)
Re: 1 in 3 homeowners underwater? - Robert Franco/OH
5/11/2011 12:46:53 PM (3715 views)
Re: 1 in 3 homeowners underwater? - Kevin Ahern/CT
5/11/2011 1:09:14 PM (3577 views)
Re: 1 in 3 homeowners underwater? - William Pattison /CA
5/11/2011 1:26:14 PM (3676 views)
Re: 1 in 3 homeowners underwater? - Scott Perry/PA
5/11/2011 4:44:30 PM (3834 views)
Re: Thank you... - Robert Franco/OH
5/11/2011 4:58:32 PM (3663 views)
Re: Thank you... - Scott Perry/PA
5/11/2011 5:32:35 PM (3586 views)
Re: Thank you... - Slade Smith/OH
5/11/2011 8:04:58 PM (3620 views)
Re: Thank you... - Scott Perry/PA
5/14/2011 10:40:03 AM (5067 views)
Re: Thank you... - Slade Smith/OH
5/14/2011 6:20:59 PM (3661 views)
Re: 1 in 3 homeowners underwater? - Mark Pierson/FL
5/16/2011 9:48:14 AM (3371 views)
Re: 1 in 3 homeowners underwater? - Slade Smith/OH
5/11/2011 7:50:08 PM (3604 views)
Re: 1 in 3 homeowners underwater? - Scott Perry/PA
5/14/2011 11:39:31 AM (3570 views)
Re: 1 in 3 homeowners underwater? - Kevin McCarthy/AR
5/16/2011 1:46:22 AM (3434 views)
Re: 1 in 3 homeowners underwater? - Scott Perry/PA
5/16/2011 7:15:02 AM (3458 views)
Re: 1 in 3 homeowners underwater? - Robert Franco/OH
5/16/2011 8:24:11 AM (3472 views)
Re: 1 in 3 homeowners underwater? - Janis Talbot/SC
5/16/2011 8:56:12 AM (3491 views)




Round the Clock Docs - Sandra Harold/KS
5/11/2011 11:35:38 AM (5457 views)
Re: Round the Clock Docs - Nils Nelson/ME
5/11/2011 11:45:00 AM (3990 views)
Re: Round the Clock Docs - rod hefner/KS
5/17/2011 5:11:03 PM (3819 views)
Round the Clock Docs -- NOT Affiliated with Abstractors A Go Go - Charlie Reynolds/NJ
5/17/2011 5:54:14 PM (4282 views)

Fed Retreat on Bigger Loans Rattles Housing - Leigh Attridge/MA
5/11/2011 9:35:18 AM (3380 views)

No Mortgage Modification for me! - Paula Reynolds/FL
5/10/2011 5:56:32 PM (3071 views)
Re: No Mortgage Modification for me! - Garret  Fitzgerald/VA
5/11/2011 12:09:18 PM (3444 views)
Re: No Mortgage Modification for me! - john franz/NJ
5/16/2011 8:59:28 AM (3366 views)
Re: No Mortgage Modification for me! - Janis Talbot/SC
5/16/2011 9:04:02 AM (3247 views)

Comment on "Another County Looks to Recover Lost Fees from MERS" - Source of Title/OH
5/10/2011 2:59:01 PM (2922 views)
MERS - Lee Holzinger/CA
5/10/2011 2:59:01 PM (5149 views)

What is Reasonable? - Carl Litchfield/SC
5/9/2011 7:54:04 PM (3065 views)
Re: What is Reasonable? - Jessica Talley/FL
5/10/2011 9:02:44 AM (3390 views)
Re: What is Reasonable? - Donna McCullough/SC
5/10/2011 9:06:42 PM (3363 views)
Re: What is Reasonable? - Kevin Ahern/CT
5/11/2011 8:27:04 AM (3424 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 (3327 views)
Re: What is Reasonable? - Dan Zook/NY
5/11/2011 3:08:17 PM (3321 views)
Re: What is Reasonable? - Janis Talbot
5/16/2011 9:14:12 AM (3219 views)

Comment on "Title Insurance Industry 2010 Performance-- in Graphs" - Source of Title/OH
5/7/2011 4:00:23 PM (3281 views)
Good Work! - Wyatt Bell/FL
5/7/2011 4:00:23 PM (3498 views)
Re: Good Work! - Slade Smith/OH
5/9/2011 2:46:07 PM (3380 views)

Home Prices Double Dip Down - Leigh Attridge/MA
5/6/2011 11:21:46 AM (3875 views)
Re: Home Prices Double Dip Down - Slade Smith/OH
5/6/2011 1:10:02 PM (3556 views)

Comment on "Ties Common Between Title Crimes and Out of Control Casino Gambling" - Source of Title/OH
5/4/2011 8:13:35 PM (2838 views)
Ho-Chunk? - J. H./OH
5/4/2011 8:13:35 PM (7863 views)
Re: Ho-Chunk? - James Powell/MI
5/5/2011 7:54:42 AM (9268 views)

Offering: current owners for $ 20! - MJDT/KS
5/4/2011 1:47:18 AM (3520 views)
Re: Offering: current owners for $ 20! - William Pattison /CA
5/5/2011 2:23:07 PM (3896 views)
Re: Offering: current owners for $ 20! - Garret  Fitzgerald/VA
5/10/2011 1:34:36 AM (3589 views)
Re: Offering: current owners for $ 20! - john franz/NJ
5/10/2011 9:40:16 AM (3551 views)
VENDOR Packages: Reject Them - William Pattison /CA
5/11/2011 1:36:37 PM (3548 views)
Re: VENDOR Packages: Reject Them - Paula Reynolds/FL
5/12/2011 3:03:33 PM (3343 views)
Re: VENDOR Packages: Reject Them - William Pattison /CA
5/31/2011 11:47:08 PM (3569 views)

ALTA's CEO is Chairman of the Board of MERS..? - Slade Smith/OH
5/3/2011 9:40:30 AM (3115 views)
Re: ALTA's CEO is Chairman of the Board of MERS..? - Robert Franco/OH
5/3/2011 11:10:40 AM (3692 views)
Re: ALTA's CEO is Chairman of the Board of MERS..? - john franz/NJ
5/10/2011 9:33:40 AM (3299 views)


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