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Time Management at it's best- Not title related just sharing - CHARLENE  PERRY/MD
5/13/2011 4:19:13 PM (3149 views)
Re: Time Management at it's best- Not title related just sharing - Dorothy Payne/NY
5/16/2011 7:30:28 PM (3715 views)

How are people from other countries doing it? - Carrin/TX
5/13/2011 11:23:27 AM (3424 views)
Re: How are people from other countries doing it? - Nils Nelson/ME
5/13/2011 3:52:19 PM (4227 views)
Re: How are people from other countries doing it? - Michael Toebe/KS
5/13/2011 6:40:14 PM (3912 views)
Re: How are people from other countries doing it? - Brenda Palmer/TN
5/16/2011 5:24:46 AM (3936 views)
Re: How are people from other countries doing it? - William Pattison /CA
5/31/2011 11:43:39 PM (3691 views)

I cannot answer my phone! - Robert Franco/OH
5/12/2011 3:30:15 PM (3477 views)
Re: I cannot answer my phone! - Kevin Ahern/CT
5/12/2011 4:12:47 PM (3997 views)
Re: I cannot answer my phone! - Leigh Attridge/MA
5/12/2011 4:26:50 PM (3970 views)
Re: I cannot answer my phone! - Donna McCullough/SC
5/12/2011 5:50:30 PM (4105 views)
Re: I cannot answer my phone! - Nils Nelson/ME
5/12/2011 6:00:07 PM (3828 views)
Re: I cannot answer my phone! - Nils Nelson/ME
5/12/2011 6:02:41 PM (3934 views)
Does your state offer a no-call list choice - Michael Toebe/KS
5/13/2011 6:42:33 PM (3966 views)
Re: I cannot answer my phone! - john franz/NJ
5/16/2011 8:54:52 AM (3726 views)

1 in 3 homeowners underwater? - Garret  Fitzgerald/VA
5/11/2011 12:07:14 PM (4349 views)
Re: 1 in 3 homeowners underwater? - Robert Franco/OH
5/11/2011 12:46:53 PM (3968 views)
Re: 1 in 3 homeowners underwater? - Kevin Ahern/CT
5/11/2011 1:09:14 PM (3842 views)
Re: 1 in 3 homeowners underwater? - William Pattison /CA
5/11/2011 1:26:14 PM (3923 views)
Re: 1 in 3 homeowners underwater? - Scott Perry/PA
5/11/2011 4:44:30 PM (4095 views)
Re: Thank you... - Robert Franco/OH
5/11/2011 4:58:32 PM (3913 views)
Re: Thank you... - Scott Perry/PA
5/11/2011 5:32:35 PM (3839 views)
Re: Thank you... - Slade Smith/OH
5/11/2011 8:04:58 PM (3861 views)
Re: Thank you... - Scott Perry/PA
5/14/2011 10:40:03 AM (5321 views)
Re: Thank you... - Slade Smith/OH
5/14/2011 6:20:59 PM (3905 views)
Re: 1 in 3 homeowners underwater? - Mark Pierson/FL
5/16/2011 9:48:14 AM (3623 views)
Re: 1 in 3 homeowners underwater? - Slade Smith/OH
5/11/2011 7:50:08 PM (3853 views)
Re: 1 in 3 homeowners underwater? - Scott Perry/PA
5/14/2011 11:39:31 AM (3835 views)
Re: 1 in 3 homeowners underwater? - Kevin McCarthy/AR
5/16/2011 1:46:22 AM (3680 views)
Re: 1 in 3 homeowners underwater? - Scott Perry/PA
5/16/2011 7:15:02 AM (3705 views)
Re: 1 in 3 homeowners underwater? - Robert Franco/OH
5/16/2011 8:24:11 AM (3742 views)
Re: 1 in 3 homeowners underwater? - Janis Talbot/SC
5/16/2011 8:56:12 AM (3754 views)

Round the Clock Docs - Sandra Harold/KS
5/11/2011 11:35:38 AM (5571 views)
Re: Round the Clock Docs - Nils Nelson/ME
5/11/2011 11:45:00 AM (4225 views)
Re: Round the Clock Docs - rod hefner/KS
5/17/2011 5:11:03 PM (4077 views)
Round the Clock Docs -- NOT Affiliated with Abstractors A Go Go - Charlie Reynolds/NJ
5/17/2011 5:54:14 PM (4676 views)




Fed Retreat on Bigger Loans Rattles Housing - Leigh Attridge/MA
5/11/2011 9:35:18 AM (3475 views)

No Mortgage Modification for me! - Paula Reynolds/FL
5/10/2011 5:56:32 PM (3126 views)
Re: No Mortgage Modification for me! - Garret  Fitzgerald/VA
5/11/2011 12:09:18 PM (3673 views)
Re: No Mortgage Modification for me! - john franz/NJ
5/16/2011 8:59:28 AM (3592 views)
Re: No Mortgage Modification for me! - Janis Talbot/SC
5/16/2011 9:04:02 AM (3466 views)

Comment on "Another County Looks to Recover Lost Fees from MERS" - Source of Title/OH
5/10/2011 2:59:01 PM (2998 views)
MERS - Lee Holzinger/CA
5/10/2011 2:59:01 PM (5421 views)

What is Reasonable? - Carl Litchfield/SC
5/9/2011 7:54:04 PM (3140 views)
Re: What is Reasonable? - Jessica Talley/FL
5/10/2011 9:02:44 AM (3614 views)
Re: What is Reasonable? - Donna McCullough/SC
5/10/2011 9:06:42 PM (3593 views)
Re: What is Reasonable? - Kevin Ahern/CT
5/11/2011 8:27:04 AM (3662 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 (3554 views)
Re: What is Reasonable? - Dan Zook/NY
5/11/2011 3:08:17 PM (3559 views)
Re: What is Reasonable? - Janis Talbot
5/16/2011 9:14:12 AM (3439 views)

Comment on "Title Insurance Industry 2010 Performance-- in Graphs" - Source of Title/OH
5/7/2011 4:00:23 PM (3356 views)
Good Work! - Wyatt Bell/FL
5/7/2011 4:00:23 PM (3729 views)
Re: Good Work! - Slade Smith/OH
5/9/2011 2:46:07 PM (3625 views)

Home Prices Double Dip Down - Leigh Attridge/MA
5/6/2011 11:21:46 AM (3979 views)
Re: Home Prices Double Dip Down - Slade Smith/OH
5/6/2011 1:10:02 PM (3812 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 (2899 views)
Ho-Chunk? - J. H./OH
5/4/2011 8:13:35 PM (8164 views)
Re: Ho-Chunk? - James Powell/MI
5/5/2011 7:54:42 AM (9606 views)

Offering: current owners for $ 20! - MJDT/KS
5/4/2011 1:47:18 AM (3599 views)
Re: Offering: current owners for $ 20! - William Pattison /CA
5/5/2011 2:23:07 PM (4149 views)
Re: Offering: current owners for $ 20! - Garret  Fitzgerald/VA
5/10/2011 1:34:36 AM (3821 views)
Re: Offering: current owners for $ 20! - john franz/NJ
5/10/2011 9:40:16 AM (3791 views)
VENDOR Packages: Reject Them - William Pattison /CA
5/11/2011 1:36:37 PM (3799 views)
Re: VENDOR Packages: Reject Them - Paula Reynolds/FL
5/12/2011 3:03:33 PM (3604 views)
Re: VENDOR Packages: Reject Them - William Pattison /CA
5/31/2011 11:47:08 PM (3824 views)

ALTA's CEO is Chairman of the Board of MERS..? - Slade Smith/OH
5/3/2011 9:40:30 AM (3183 views)
Re: ALTA's CEO is Chairman of the Board of MERS..? - Robert Franco/OH
5/3/2011 11:10:40 AM (3949 views)
Re: ALTA's CEO is Chairman of the Board of MERS..? - john franz/NJ
5/10/2011 9:33:40 AM (3548 views)

Harvard University reports "affordability crisis for renters" - Leigh Attridge/MA
5/3/2011 8:34:15 AM (3972 views)
Re: Harvard University reports "affordability crisis for renters" - Abstractor/GA
5/3/2011 11:54:46 AM (3790 views)
Re: Harvard University reports "affordability crisis for renters" - Leigh Attridge/MA
5/3/2011 2:41:27 PM (5379 views)


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