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Mezzo Settlement Services - trish kerns/PA
6/5/2008 11:27:49 AM (2922 views)

Price increases due to gas costs - Deborah Manion/VA
6/4/2008 12:18:25 PM (3348 views)
Re: Price increases due to gas costs - Kevin Ahern/CT
6/4/2008 12:29:47 PM (3367 views)
Re: Price increases due to gas costs - Robert Franco/OH
6/4/2008 1:17:53 PM (3362 views)
Re: Price increases due to gas costs - Amy Tatusko/VA
6/4/2008 6:42:43 PM (3506 views)
Re: Price increases due to gas costs - Rob  Robinson/PA
6/5/2008 12:49:19 AM (3440 views)
Re: Price increases due to gas costs - KELLY ROBERTSON/CA
6/9/2008 8:54:11 AM (3168 views)
Re: Price increases due to gas costs - Cheryl Hartzman/PA
6/9/2008 10:51:43 AM (3216 views)
Re: Price increases due to gas costs - charles jetter/OH
6/11/2008 4:24:14 AM (3041 views)
Re: Price increases due to gas costs - Ron McPherson/IA
6/10/2008 3:59:32 AM (3079 views)

Project Open Records - William Pattison /CA
6/3/2008 12:26:34 PM (3348 views)
Re: Project Open Records - Scott Perry/PA
6/3/2008 12:45:17 PM (3345 views)
Re: Project Open Records - William Pattison /CA
6/3/2008 2:44:18 PM (3313 views)
Re: Project Open Records - Scott Perry/PA
6/3/2008 3:40:19 PM (6022 views)
Re: Project Open Records - William Pattison /CA
6/3/2008 4:24:27 PM (3373 views)
Re: Project Open Records - Robert Franco/OH
6/3/2008 9:27:42 PM (3284 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 1:49:33 PM (3051 views)
Re: Project Open Records - Robert Franco/OH
6/9/2008 2:45:45 PM (3134 views)
Re: Project Open Records - Jessica Talley/NJ
6/3/2008 9:28:20 PM (3241 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 1:37:21 PM (3082 views)
Re: Project Open Records - Kevin Ahern/CT
6/4/2008 9:38:30 AM (3242 views)
Re: Project Open Records - Jeanine Johnson/FL
6/9/2008 12:17:09 PM (3039 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 1:21:31 PM (3012 views)
Re: Project Open Records - Scott Perry/PA
6/9/2008 2:07:08 PM (3108 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 2:25:34 PM (3048 views)
Re: Project Open Records - Scott Perry/PA
6/9/2008 3:17:45 PM (3038 views)
Re: Project Open Records - michael quinn/NY
6/10/2008 12:41:55 AM (3051 views)
Re: Project Open Records - William Pattison /CA
6/12/2008 2:20:12 PM (3059 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 2:07:10 PM (3048 views)
Re: Project Open Records - michael quinn/NY
6/10/2008 1:28:01 AM (3054 views)
Re: Project Open Records - STEVE MEINECKE/TN
6/10/2008 8:17:01 AM (3082 views)
Re: Project Open Records - William Pattison /CA
6/11/2008 12:42:12 PM (3081 views)
Re: Project Open Records - STEVE MEINECKE/TN
6/11/2008 1:21:49 PM (3013 views)
Re: Project Open Records - William Pattison /CA
6/19/2008 2:04:54 PM (3029 views)
Re: Project Open Records - Scott Perry/PA
6/20/2008 8:24:00 AM (3020 views)
Re: Project Open Records - William Pattison /CA
7/1/2008 2:37:49 PM (3044 views)

Math Question - Jack Johanson/PA
6/3/2008 11:16:18 AM (3309 views)
Re: Math Question - Scott Perry/PA
6/3/2008 12:12:50 PM (3003 views)
Re: Math Question - michael quinn/NY
6/3/2008 1:09:40 PM (3001 views)
Re: Math Question - Jack Johanson/PA
6/3/2008 1:18:20 PM (3013 views)
Re: Math Question - michael quinn/NY
6/4/2008 4:50:56 AM (3055 views)
Re: Math Question - Douglas Gallant/OH
6/4/2008 4:24:34 PM (2994 views)
Re: Math Question - STEVE MEINECKE/TN
6/4/2008 6:13:13 PM (3101 views)
Re: Math Question - Rob  Robinson/PA
6/5/2008 12:44:38 AM (2815 views)
Re: Math Question - Scott Perry/PA
6/5/2008 6:51:35 AM (2937 views)
Re: Math Question - Rob  Robinson/PA
6/5/2008 10:19:15 AM (5639 views)
Re: Math Question - michael quinn/NY
6/5/2008 10:55:39 AM (2909 views)
Re: Math Question - Scott Perry/PA
6/5/2008 11:24:55 AM (2822 views)
Re: Math Question - Jack Johanson/PA
6/5/2008 3:55:29 PM (2823 views)
Re: Math Question - Slade Smith/OH
6/6/2008 6:05:27 AM (2786 views)
Re: Math Question - Scott Perry/PA
6/6/2008 7:02:18 AM (2828 views)
Re: Math Question - STEVE MEINECKE/TN
6/6/2008 8:36:47 AM (2689 views)
Re: Math Question - Robert Franco/OH
6/6/2008 11:34:50 AM (2780 views)
Re: Math Question - STEVE MEINECKE/TN
6/6/2008 11:47:53 AM (2771 views)
Re: Math Question - michael quinn/NY
6/6/2008 10:23:40 AM (2628 views)
Re: Math Question - Slade Smith/OH
6/6/2008 7:31:35 PM (2670 views)
Going for extra credit... - Robert Franco/OH
6/6/2008 1:28:24 PM (2772 views)
Re: Going for extra credit... - Slade Smith/OH
6/6/2008 7:36:08 PM (2576 views)
Re: Going for extra credit... - Douglas Gallant/OH
6/6/2008 8:44:59 PM (2528 views)
Re: Going for extra credit... ANSWER - Slade Smith/OH
6/10/2008 1:28:53 AM (2642 views)
Re: Going for extra credit... ANSWER - Robert Franco/OH
6/10/2008 10:51:22 AM (2600 views)
Re: Going for extra credit... ANSWER - Slade Smith/OH
6/11/2008 2:35:05 AM (2555 views)
Re: Math Question - Douglas Gallant/OH
6/5/2008 5:11:54 PM (2646 views)
Re: Math Question - Rob  Robinson/PA
6/6/2008 9:25:18 AM (2557 views)
Re: Math Question - Jack Johanson/PA
6/6/2008 10:10:55 AM (2675 views)
Re: Math Question - Rob  Robinson/PA
6/6/2008 11:01:07 AM (2593 views)
Re: Math Question - Douglas Gallant/OH
6/6/2008 2:13:59 PM (2638 views)
Re: Math Question - Robert Franco/OH
6/6/2008 11:39:06 AM (2623 views)
Re: Math Question - STEVE MEINECKE/TN
6/6/2008 11:54:08 AM (2680 views)
Re: Math Question - Douglas Gallant/OH
6/6/2008 1:53:48 PM (2583 views)
BOTTOM LINE: - Scott Perry/PA
6/6/2008 3:44:32 PM (2577 views)
Re: Math Question - michael quinn/NY
6/7/2008 12:16:58 AM (2551 views)
Re: Math Question - michael quinn/NY
6/7/2008 12:22:57 AM (2600 views)
Re: Math Question - J Nisonger/CA
6/7/2008 7:37:07 PM (2555 views)
Re: Math Question - michael quinn/NY
6/7/2008 11:37:48 PM (2581 views)

Cleveland conference - Gayle Hironimus/NC
6/2/2008 7:31:16 PM (3147 views)
Re: Cleveland conference - Richard Yeager/MI
6/4/2008 3:18:11 PM (3097 views)
Re: Cleveland conference - Jeremy Yohe/OH
6/4/2008 11:01:55 PM (5853 views)
Re: Cleveland conference - Robert Franco/OH
6/5/2008 10:05:46 AM (3149 views)
Re: Cleveland conference - Gayle Hironimus/NC
6/5/2008 10:58:32 AM (3200 views)


Real Title Services


Eastern Shore Abstractors - Frustrated in MD/MD
6/2/2008 12:46:44 PM (3675 views)
Re: Eastern Shore Abstractors - Deborah Manion/VA
6/2/2008 1:18:09 PM (3216 views)
Re: Eastern Shore Abstractors - Chuck Y/NY
6/2/2008 1:29:44 PM (3224 views)
Re: Eastern Shore Abstractors - Andrew Veliuona/MD
6/4/2008 6:22:13 AM (6341 views)
Re: Eastern Shore Abstractors - Loretta Reed/MD
6/4/2008 7:30:32 AM (3119 views)
Re: Eastern Shore Abstractors - STEVE MEINECKE/TN
6/4/2008 9:18:44 PM (3243 views)
Re: Eastern Shore Abstractors - Loretta Reed/MD
6/5/2008 7:25:53 AM (3262 views)
Re: Eastern Shore Abstractors - Loretta Reed/MD
6/5/2008 8:18:36 AM (3197 views)
Re: Eastern Shore Abstractors - michael quinn/NY
6/5/2008 11:18:30 AM (3224 views)
Re: Eastern Shore Abstractors - Rob  Robinson/PA
6/9/2008 11:16:05 AM (3018 views)
Re: Eastern Shore Abstractors - Laurie E/MD
6/5/2008 1:34:26 PM (3199 views)
Re: Eastern Shore Abstractors - michael quinn/NY
6/5/2008 1:52:36 PM (3091 views)
Re: Eastern Shore Abstractors - Laurie E/MD
6/5/2008 3:18:19 PM (3139 views)
Re: Eastern Shore Abstractors - Chuck Y/NY
6/6/2008 9:10:47 AM (3075 views)
Re: Online solutions - STEVE MEINECKE/TN
6/6/2008 9:56:18 AM (3024 views)
Re: Online solutions - Ron McPherson/IA
6/6/2008 9:34:28 PM (2995 views)

Grand Info, Inc - Response from the Owner - Robb Grandon/MI
6/2/2008 12:03:42 PM (3639 views)
Re: Grand Info, Inc - Response from the Owner - Scott Perry/PA
6/2/2008 6:49:42 PM (3287 views)
Clarification - Vikki Moffitt/GA
6/3/2008 7:05:47 AM (3241 views)
Re: Clarification - michael quinn/NY
6/3/2008 11:38:21 AM (3178 views)
Re: Grand Info, Inc - Response from the Owner - michael quinn/NY
6/3/2008 4:58:50 AM (3286 views)
Re: Grand Info, Inc - Response from the Owner - KELLY ROBERTSON/CA
6/9/2008 9:05:45 AM (5992 views)
Re: Grand Info, Inc - Response from the Owner - Rob  Robinson/PA
6/9/2008 11:06:42 AM (3103 views)
Re: Grand Info, Inc - Response from the Owner - Joanie Hahr/VT
6/24/2008 6:27:52 PM (3051 views)
Re: Grand Info, Inc - Response from the Owner - J Nisonger/CA
6/25/2008 5:37:59 PM (2992 views)
Re: Grand Info, Inc - Response from the Owner - Loretta Reed/MD
6/26/2008 9:43:40 AM (3093 views)

Moonpie! - J Nisonger/CA
5/30/2008 6:20:46 PM (3532 views)
Re: Moonpie! - monica froese/ME
5/30/2008 6:43:56 PM (3164 views)
Re: Moonpie! - Patrick Scott/IL
5/30/2008 7:06:47 PM (2985 views)
Re: Moonpie! - Scott Perry/PA
5/30/2008 8:49:15 PM (3132 views)
Re: Moonpie! - Glenda Hodge/TN
5/30/2008 11:35:04 PM (3104 views)
Re: Moonpie! - J Nisonger/CA
6/5/2008 2:16:20 AM (3237 views)
Re: Moonpie! - J Nisonger/CA
6/7/2008 7:04:28 PM (2943 views)
Re: Moonpie! - Glenda Hodge/TN
6/8/2008 12:21:27 AM (2946 views)
Re: Moonpie! - J Nisonger/CA
6/7/2008 7:09:28 PM (2995 views)
Re: Moonpie! - Lynn Hammett/SC
5/31/2008 12:13:48 AM (3183 views)
Re: Moonpie! - Rob  Robinson/PA
5/31/2008 10:03:29 AM (3036 views)
Re: Moonpie! - STEVE MEINECKE/TN
6/4/2008 11:54:43 PM (3426 views)
Re: Moonpie! - Glenda Hodge/TN
6/5/2008 9:49:16 AM (3036 views)
Re: Moonpie Festival - STEVE MEINECKE/TN
6/5/2008 10:08:25 AM (3165 views)
Re: Moonpie Festival - Lynn Dukes/SC
6/6/2008 10:02:41 AM (3190 views)
Re: Moonpie! - STEVE MEINECKE/TN
6/6/2008 11:23:39 AM (2971 views)

Flagship Title, Hampton VA - Amy Tatusko/VA
5/30/2008 10:58:55 AM (4142 views)
Re: Flagship Title, Hampton VA - Lynne Goodwin/VA
5/30/2008 11:45:18 AM (3345 views)
Re: Six hour turn time - STEVE MEINECKE/TN
5/30/2008 1:34:20 PM (3300 views)
Re: Six hour turn time - martha campbell/VA
6/2/2008 6:53:29 AM (3086 views)
Re: Flagship Title, Hampton VA - martha campbell/VA
6/2/2008 6:20:43 AM (3194 views)
Re: Flagship Title, Hampton VA - Teresa Martin/VA
2/2/2011 11:01:39 PM (4114 views)

Northwest Title & Escrow (Vandanais Heights, MN) - Michaela Urban/OH
5/29/2008 12:09:58 PM (3612 views)
Re: Northwest Title & Escrow (Vandanais Heights, MN) - george Hubka/MI
6/1/2008 10:06:07 PM (2956 views)

Top excuses for not paying vendors - . APS/NY
5/27/2008 8:41:27 PM (3763 views)
Re: Top excuses for not paying vendors - Lucille Femine/NJ
5/27/2008 11:18:57 PM (3441 views)
Re: Top excuses for not paying vendors - Kevin Ahern/CT
5/28/2008 6:45:54 AM (3350 views)

Generally there are methods by which to successfully defeat all of these defenses. The greatest problem is waiting too long to enforce your contractual rights. With the passage of time clients file for bankruptcy, become insolvent or close their shops. Even if you succeed in obtaining a judgment there may be nothing left to satisfy it. Prompt enforcement of your claim is paramount.

1.    The no close/no pay defense is invalid unless it was disclosed to the abstractor at the time the abstractor accepted the order from the client. Most abstractors do not work with written agreements but rather oral agreements. In those instances in which there is a written contract involved...strike the no close/no pay clause from the contract before signing it. When the parties are performing under an oral contract the search order becomes strong evidence of what type of work was ordered , and what the terms of payment were. In this case make certain that the amount of your fee and the date of payment are mentioned in the search order. If there is a no close/no pay contingency mentioned in the search order...insist that the client remove it, and give you a revised search order before performing the search. If the client attempts to raise the no close/no pay policy at a later date, he is simply attempting to modify or amend the existing contract. In most states the defense is not valid unless the abstractor agrees to the subsequent modification.

2.   Not having signed a price agreement may be strong evidence that there was no agreement, but it is far from conclusive. It is primarily a matter of the evidence to support the claim. In the absence of a written agreement which would possibly foreclose payment, the court may rule that a reasonable amount is the proper amount.  In the alternative the abstractor may not be in a position to prove the pricing term In which case he will win on the issue of liability, but will be awarded only nominal damages of $1.00. If the client accepted the abstractor's work after receiving the invoice for the abstract, it is evidence that the client agreed to the price. This evidence becomes much stronger each time the abstractor repeatedly sends a bill for a specific amount, and the client ignores it. 

There may be a contract implied in fact in which there is never a word of its contractual terms spoken between the parties, and their conduct of performing the search and the client's acceptance thereof may be determined by the conduct of the parties.

There are also equitable remedies available such as unjust enrichment...a contract implied in law. In which case the client is liable for payment of a reasonable fee if the client accepted the abstract when the client knew or should have known that the abstractor expected to be paid. In this case a reasonable amount of payment becomes operative. The reasonable amount of the fee could be proved through a variety of means, including an industry stadard or prior course of dealing between the parties. Express contracts and implied contracts cannot coexist. However, if the lack of a pricing term in an express contract is fatal to the contract...the contract implied in law can be asserted.

3.    Proof of having ordered the search may be easier than the client thinks. The written search order would be the best evidence. However, the client's use of the abstract would also work well. It would simply be a matter of serving a subpoena on the title insurer and lender to prove that the abstractor's search was the basis for issuance of a title insurance policy. In addition to paying the abstractor...the client will most likely lose his client.

4.   The absence of the individual that ordered the work or his/her lack of authorization to order the work is not the end of the argument.  The issue is the extent to which authorization to order the search existed...not whether or not the individual is still employed by the client. There are a number of different types of authorization under the law of agency. Most of us are acquainted with express authorization in which the client has clearly appointed the individual as the client's agent/employee for the purpose of ordering the search. However, the client may have clothed the individual with sufficient apparent or inherent authority to order the search if the client has placed the individual in a position to reasonably create the impression that the individual is properly authorized.  There is also the matter of ratification of the individual's order of the search if the client has accepted and used the abstractor's work.

       If he has accepted the abstractor's work the client may also have waived his defense or in the alternative be estopped from asserting it. I recently litigated a case against a car dealership. The defendant claimed that the individual who signed the contract was not authorized to bind the defendant to the contract. However, the defendant had accepted services from my client for many months. The court ruled that the client had benefited from my client's services, and was therefore estopped from denying the validity of the contract.

5.   "We never received the bill." This is an easy defense to overcome. In Connecticut there is a rebutable presumption that if correspondence is properly addressed and properly posted it is presumed to have been received by the defendant. The burden of proof is shifted to the defendant to prove that he did not receive it. The only time that I have seen the presumption rebutted is when the the recipient had moved the location of his business at the relevant time, or the the proponant failed to establish proof that would give rise to the presumption.

    I remember a case in which compliance with a contract cancellation was at issue. The contract required timely notification of non renewal or the contract would automatically renew for another 5 years. The defendant asserted that he had mailed a timely cancellation, but the only evidence he could produce was the self serving testimony of the defendant and a fax copy with a much later date in the fax signature at the top of the page. The defendant's witness testified that he had properly addressed and posted the letter of cancellation, but on cross examination it became apparent that he had not placed the letter out of his control in the mail box. He had placed it in a location within his office for a later mail pick up. The court opined that that his testimony and the fax copy of the letter were evidence, but not proof of  the presumption.

The more the abstractor protects himself in the terms of the search order he/she receives, the easier it will be for him/her to obtain payment.  If the client is not responding to the abstractor's invoices, the final invoice should be sent certified mail return receipt requested with copies of the ealier invoices attached to it.  

The above is Connecticut law, but most of these precepts have evolved over several centuries of common law, and exist in various forms in most states. Some have been codified into statute.

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Re: Top excuses for not paying vendors - Robb Grandon/MI
5/31/2008 5:01:11 PM (3152 views)
Re: Top excuses for not paying vendors - Kevin Ahern/CT
5/31/2008 5:51:12 PM (3104 views)
Re: Top excuses for not paying vendors - Robert Franco/OH
5/28/2008 12:05:20 PM (3301 views)
Re: Top excuses for not paying vendors - Scott Perry/PA
5/28/2008 12:31:18 PM (3911 views)
Re: Top excuses for not paying vendors - Rob  Robinson/PA
5/28/2008 4:04:06 PM (3286 views)
Re: Top excuses for not paying vendors - Matthew Sharpe/OH
6/2/2008 4:30:17 PM (3066 views)
Re: Top excuses for not paying vendors - William Pattison /CA
6/2/2008 5:20:07 PM (3113 views)
Re: Top excuses for not paying vendors - Scott Perry/PA
6/2/2008 5:39:46 PM (3142 views)
Re: Top excuses for not paying vendors - Rob  Robinson/PA
6/4/2008 2:46:11 PM (3102 views)

Junk Fee - Robert Franco/OH
5/27/2008 4:45:53 PM (3433 views)
Re: Junk Fee - Scott Perry/PA
5/27/2008 5:02:28 PM (3167 views)
Re: Junk Fee - Patrick Scott/IL
5/27/2008 10:37:29 PM (3150 views)
Re: Junk Fee - Robert Franco/OH
5/28/2008 12:10:00 PM (3227 views)
Re: Junk Fee - STEVE MEINECKE/TN
5/27/2008 11:52:26 PM (3185 views)
Re: Junk Fee - Robert Franco/OH
5/28/2008 12:11:34 PM (3130 views)
Re: Junk Fee - Clanci Nelson/OH
5/28/2008 1:38:32 PM (3293 views)
Re: Junk Fee - charles jetter/OH
5/29/2008 7:24:58 AM (3088 views)
Re: Junk Fee - Scott Perry/PA
5/29/2008 10:27:11 AM (3128 views)

Lets Search for title in India - David Bloys/TX
5/27/2008 12:57:12 AM (5055 views)
Re: Lets Search for title in India - STEVE MEINECKE/TN
5/27/2008 9:11:03 AM (3272 views)
Re: Lets Search for title in India - David Bloys/TX
5/27/2008 10:18:08 AM (3358 views)
Re: Lets Search for title in India - Rob  Robinson/PA
5/27/2008 12:43:13 PM (3154 views)
Re: Lets Search for title in India - STEVE MEINECKE/TN
5/27/2008 2:36:57 PM (3202 views)
Re: Lets Search for title in India - Rob  Robinson/PA
5/28/2008 3:31:35 PM (3172 views)
Re: Lets Search for title in India - Lynn Hammett/SC
5/29/2008 10:32:18 AM (3045 views)
Re: Lets Search for title in India - David Bloys/TX
5/29/2008 11:06:12 AM (3086 views)
Re: Lets Search for title in India - charles jetter/OH
5/29/2008 7:27:09 AM (3084 views)
Re: Lets Search for title in India - David Bloys/TX
5/29/2008 11:08:50 AM (3247 views)
Re: Lets Search for title in India - Rob  Robinson/PA
5/30/2008 9:00:06 AM (3136 views)
Re: Lets Search for title in India - Rahul/GA
10/14/2010 11:33:46 AM (2760 views)

Title Plant Software - Vikki Moffitt/GA
5/25/2008 5:33:55 PM (6101 views)
Re: Title Plant Software - STEVE MEINECKE/TN
5/26/2008 9:23:36 PM (3765 views)
Re: Title Plant Software - Vikki Moffitt/GA
5/27/2008 9:22:35 AM (3231 views)
Re: Title Plant Software - Melinda Barcum, J.D./AL
5/27/2008 12:38:25 PM (3336 views)
Re: Title Plant Software - STEVE MEINECKE/TN
5/27/2008 2:14:54 PM (3216 views)
Re: Title Plant Software - Stephen Williams/MO
5/29/2008 2:08:18 PM (3242 views)
Re: Title Plant Software - STEVE MEINECKE/TN
5/29/2008 4:31:55 PM (3255 views)
Re: Title Plant Software - STEVE MEINECKE/TN
6/4/2008 7:24:54 PM (3097 views)
Re: Title Plant Software - Vikki Moffitt/GA
6/4/2008 7:42:13 PM (3090 views)
Re: Title Plant Software - STEVE MEINECKE/TN
6/4/2008 8:58:33 PM (3075 views)

on the subject of RESPA reform - Diane Cipa/PA
5/23/2008 10:58:14 PM (3281 views)
Re: on the subject of RESPA reform - Patrick Scott/IL
5/25/2008 12:24:32 AM (3105 views)
Re: on the subject of RESPA reform - Diane Cipa/PA
5/27/2008 2:31:32 PM (3008 views)


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