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iMortgages - VIVIAN SLYKER/OH
6/5/2008 3:26:34 PM (3131 views)

iMortgage Services - VIVIAN SLYKER/OH
6/5/2008 2:54:29 PM (3658 views)
Re: iMortgage Services - J Nisonger/CA
6/7/2008 8:26:00 PM (4310 views)
Re: iMortgage Services - VIVIAN SLYKER/OH
6/9/2008 7:54:29 AM (4260 views)

Mezzo Settlement Services - trish kerns/PA
6/5/2008 11:27:49 AM (3122 views)

Price increases due to gas costs - Deborah Manion/VA
6/4/2008 12:18:25 PM (3635 views)
Re: Price increases due to gas costs - Kevin Ahern/CT
6/4/2008 12:29:47 PM (4404 views)
Re: Price increases due to gas costs - Robert Franco/OH
6/4/2008 1:17:53 PM (4348 views)
Re: Price increases due to gas costs - Amy Tatusko/VA
6/4/2008 6:42:43 PM (4532 views)
Re: Price increases due to gas costs - Rob  Robinson/PA
6/5/2008 12:49:19 AM (4432 views)
Re: Price increases due to gas costs - KELLY ROBERTSON/CA
6/9/2008 8:54:11 AM (4167 views)
Re: Price increases due to gas costs - Cheryl Hartzman/PA
6/9/2008 10:51:43 AM (4259 views)
Re: Price increases due to gas costs - charles jetter/OH
6/11/2008 4:24:14 AM (4010 views)
Re: Price increases due to gas costs - Ron McPherson/IA
6/10/2008 3:59:32 AM (4084 views)

Project Open Records - William Pattison /CA
6/3/2008 12:26:34 PM (3659 views)
Re: Project Open Records - Scott Perry/PA
6/3/2008 12:45:17 PM (4371 views)
Re: Project Open Records - William Pattison /CA
6/3/2008 2:44:18 PM (4320 views)
Re: Project Open Records - Scott Perry/PA
6/3/2008 3:40:19 PM (7099 views)
Re: Project Open Records - William Pattison /CA
6/3/2008 4:24:27 PM (4387 views)
Re: Project Open Records - Robert Franco/OH
6/3/2008 9:27:42 PM (4273 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 1:49:33 PM (4035 views)
Re: Project Open Records - Robert Franco/OH
6/9/2008 2:45:45 PM (4135 views)
Re: Project Open Records - Jessica Talley/NJ
6/3/2008 9:28:20 PM (4188 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 1:37:21 PM (4070 views)
Re: Project Open Records - Kevin Ahern/CT
6/4/2008 9:38:30 AM (4247 views)
Re: Project Open Records - Jeanine Johnson/FL
6/9/2008 12:17:09 PM (3983 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 1:21:31 PM (4014 views)
Re: Project Open Records - Scott Perry/PA
6/9/2008 2:07:08 PM (4089 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 2:25:34 PM (4044 views)
Re: Project Open Records - Scott Perry/PA
6/9/2008 3:17:45 PM (4087 views)
Re: Project Open Records - michael quinn/NY
6/10/2008 12:41:55 AM (4073 views)
Re: Project Open Records - William Pattison /CA
6/12/2008 2:20:12 PM (4037 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 2:07:10 PM (4050 views)
Re: Project Open Records - michael quinn/NY
6/10/2008 1:28:01 AM (4065 views)
Re: Project Open Records - STEVE MEINECKE/TN
6/10/2008 8:17:01 AM (4082 views)
Re: Project Open Records - William Pattison /CA
6/11/2008 12:42:12 PM (4047 views)
Re: Project Open Records - STEVE MEINECKE/TN
6/11/2008 1:21:49 PM (4017 views)
Re: Project Open Records - William Pattison /CA
6/19/2008 2:04:54 PM (4046 views)
Re: Project Open Records - Scott Perry/PA
6/20/2008 8:24:00 AM (4238 views)
Re: Project Open Records - William Pattison /CA
7/1/2008 2:37:49 PM (4087 views)


Real Title Services


Math Question - Jack Johanson/PA
6/3/2008 11:16:18 AM (3634 views)
Re: Math Question - Scott Perry/PA
6/3/2008 12:12:50 PM (4001 views)
Re: Math Question - michael quinn/NY
6/3/2008 1:09:40 PM (4013 views)
Re: Math Question - Jack Johanson/PA
6/3/2008 1:18:20 PM (4040 views)
Re: Math Question - michael quinn/NY
6/4/2008 4:50:56 AM (4041 views)
Re: Math Question - Douglas Gallant/OH
6/4/2008 4:24:34 PM (3975 views)
Re: Math Question - STEVE MEINECKE/TN
6/4/2008 6:13:13 PM (4111 views)
Re: Math Question - Rob  Robinson/PA
6/5/2008 12:44:38 AM (3744 views)
Re: Math Question - Scott Perry/PA
6/5/2008 6:51:35 AM (3983 views)
Re: Math Question - Rob  Robinson/PA
6/5/2008 10:19:15 AM (6760 views)
Re: Math Question - michael quinn/NY
6/5/2008 10:55:39 AM (3923 views)
Re: Math Question - Scott Perry/PA
6/5/2008 11:24:55 AM (3814 views)
Re: Math Question - Jack Johanson/PA
6/5/2008 3:55:29 PM (3864 views)
Re: Math Question - Slade Smith/OH
6/6/2008 6:05:27 AM (3864 views)
Re: Math Question - Scott Perry/PA
6/6/2008 7:02:18 AM (3899 views)
Re: Math Question - STEVE MEINECKE/TN
6/6/2008 8:36:47 AM (3690 views)
Re: Math Question - Robert Franco/OH
6/6/2008 11:34:50 AM (4006 views)
Re: Math Question - STEVE MEINECKE/TN
6/6/2008 11:47:53 AM (3937 views)
Re: Math Question - michael quinn/NY
6/6/2008 10:23:40 AM (3637 views)
Re: Math Question - Slade Smith/OH
6/6/2008 7:31:35 PM (3717 views)
Going for extra credit... - Robert Franco/OH
6/6/2008 1:28:24 PM (3824 views)
Re: Going for extra credit... - Slade Smith/OH
6/6/2008 7:36:08 PM (3588 views)
Re: Going for extra credit... - Douglas Gallant/OH
6/6/2008 8:44:59 PM (3536 views)
Re: Going for extra credit... ANSWER - Slade Smith/OH
6/10/2008 1:28:53 AM (3598 views)
Re: Going for extra credit... ANSWER - Robert Franco/OH
6/10/2008 10:51:22 AM (3598 views)
Re: Going for extra credit... ANSWER - Slade Smith/OH
6/11/2008 2:35:05 AM (3538 views)
Re: Math Question - Douglas Gallant/OH
6/5/2008 5:11:54 PM (3696 views)
Re: Math Question - Rob  Robinson/PA
6/6/2008 9:25:18 AM (3556 views)
Re: Math Question - Jack Johanson/PA
6/6/2008 10:10:55 AM (3687 views)
Re: Math Question - Rob  Robinson/PA
6/6/2008 11:01:07 AM (3655 views)
Re: Math Question - Douglas Gallant/OH
6/6/2008 2:13:59 PM (3696 views)
Re: Math Question - Robert Franco/OH
6/6/2008 11:39:06 AM (3838 views)
Re: Math Question - STEVE MEINECKE/TN
6/6/2008 11:54:08 AM (3848 views)
Re: Math Question - Douglas Gallant/OH
6/6/2008 1:53:48 PM (3612 views)
BOTTOM LINE: - Scott Perry/PA
6/6/2008 3:44:32 PM (3606 views)
Re: Math Question - michael quinn/NY
6/7/2008 12:16:58 AM (3593 views)
Re: Math Question - michael quinn/NY
6/7/2008 12:22:57 AM (3646 views)
Re: Math Question - J Nisonger/CA
6/7/2008 7:37:07 PM (3568 views)
Re: Math Question - michael quinn/NY
6/7/2008 11:37:48 PM (3588 views)

Cleveland conference - Gayle Hironimus/NC
6/2/2008 7:31:16 PM (3504 views)
Re: Cleveland conference - Richard Yeager/MI
6/4/2008 3:18:11 PM (4184 views)
Re: Cleveland conference - Jeremy Yohe/OH
6/4/2008 11:01:55 PM (7050 views)
Re: Cleveland conference - Robert Franco/OH
6/5/2008 10:05:46 AM (4160 views)
Re: Cleveland conference - Gayle Hironimus/NC
6/5/2008 10:58:32 AM (4272 views)

Eastern Shore Abstractors - Frustrated in MD/MD
6/2/2008 12:46:44 PM (3989 views)
Re: Eastern Shore Abstractors - Deborah Manion/VA
6/2/2008 1:18:09 PM (4266 views)
Re: Eastern Shore Abstractors - Chuck Y/NY
6/2/2008 1:29:44 PM (4249 views)
Re: Eastern Shore Abstractors - Andrew Veliuona/MD
6/4/2008 6:22:13 AM (7464 views)
Re: Eastern Shore Abstractors - Loretta Reed/MD
6/4/2008 7:30:32 AM (4146 views)
Re: Eastern Shore Abstractors - STEVE MEINECKE/TN
6/4/2008 9:18:44 PM (4321 views)
Re: Eastern Shore Abstractors - Loretta Reed/MD
6/5/2008 7:25:53 AM (4307 views)
Re: Eastern Shore Abstractors - Loretta Reed/MD
6/5/2008 8:18:36 AM (4225 views)
Re: Eastern Shore Abstractors - michael quinn/NY
6/5/2008 11:18:30 AM (4292 views)
Re: Eastern Shore Abstractors - Rob  Robinson/PA
6/9/2008 11:16:05 AM (4081 views)
Re: Eastern Shore Abstractors - Laurie E/MD
6/5/2008 1:34:26 PM (4228 views)
Re: Eastern Shore Abstractors - michael quinn/NY
6/5/2008 1:52:36 PM (4064 views)
Re: Eastern Shore Abstractors - Laurie E/MD
6/5/2008 3:18:19 PM (4162 views)
Re: Eastern Shore Abstractors - Chuck Y/NY
6/6/2008 9:10:47 AM (4141 views)
Re: Online solutions - STEVE MEINECKE/TN
6/6/2008 9:56:18 AM (4027 views)
Re: Online solutions - Ron McPherson/IA
6/6/2008 9:34:28 PM (3989 views)

Grand Info, Inc - Response from the Owner - Robb Grandon/MI
6/2/2008 12:03:42 PM (4023 views)
Re: Grand Info, Inc - Response from the Owner - Scott Perry/PA
6/2/2008 6:49:42 PM (4327 views)
Clarification - Vikki Moffitt/GA
6/3/2008 7:05:47 AM (4273 views)
Re: Clarification - michael quinn/NY
6/3/2008 11:38:21 AM (4209 views)
Re: Grand Info, Inc - Response from the Owner - michael quinn/NY
6/3/2008 4:58:50 AM (4278 views)
Re: Grand Info, Inc - Response from the Owner - KELLY ROBERTSON/CA
6/9/2008 9:05:45 AM (7065 views)
Re: Grand Info, Inc - Response from the Owner - Rob  Robinson/PA
6/9/2008 11:06:42 AM (4072 views)
Re: Grand Info, Inc - Response from the Owner - Joanie Hahr/VT
6/24/2008 6:27:52 PM (4099 views)
Re: Grand Info, Inc - Response from the Owner - J Nisonger/CA
6/25/2008 5:37:59 PM (4041 views)
Re: Grand Info, Inc - Response from the Owner - Loretta Reed/MD
6/26/2008 9:43:40 AM (4134 views)

Moonpie! - J Nisonger/CA
5/30/2008 6:20:46 PM (3837 views)
Re: Moonpie! - monica froese/ME
5/30/2008 6:43:56 PM (4121 views)
Re: Moonpie! - Patrick Scott/IL
5/30/2008 7:06:47 PM (3943 views)
Re: Moonpie! - Scott Perry/PA
5/30/2008 8:49:15 PM (4135 views)
Re: Moonpie! - Glenda Hodge/TN
5/30/2008 11:35:04 PM (4069 views)
Re: Moonpie! - J Nisonger/CA
6/5/2008 2:16:20 AM (4239 views)
Re: Moonpie! - J Nisonger/CA
6/7/2008 7:04:28 PM (3960 views)
Re: Moonpie! - Glenda Hodge/TN
6/8/2008 12:21:27 AM (3947 views)
Re: Moonpie! - J Nisonger/CA
6/7/2008 7:09:28 PM (3992 views)
Re: Moonpie! - Lynn Hammett/SC
5/31/2008 12:13:48 AM (4193 views)
Re: Moonpie! - Rob  Robinson/PA
5/31/2008 10:03:29 AM (4055 views)
Re: Moonpie! - STEVE MEINECKE/TN
6/4/2008 11:54:43 PM (4450 views)
Re: Moonpie! - Glenda Hodge/TN
6/5/2008 9:49:16 AM (3983 views)
Re: Moonpie Festival - STEVE MEINECKE/TN
6/5/2008 10:08:25 AM (4136 views)
Re: Moonpie Festival - Lynn Dukes/SC
6/6/2008 10:02:41 AM (4252 views)
Re: Moonpie! - STEVE MEINECKE/TN
6/6/2008 11:23:39 AM (4008 views)

Flagship Title, Hampton VA - Amy Tatusko/VA
5/30/2008 10:58:55 AM (4521 views)
Re: Flagship Title, Hampton VA - Lynne Goodwin/VA
5/30/2008 11:45:18 AM (4413 views)
Re: Six hour turn time - STEVE MEINECKE/TN
5/30/2008 1:34:20 PM (4321 views)
Re: Six hour turn time - martha campbell/VA
6/2/2008 6:53:29 AM (4139 views)
Re: Flagship Title, Hampton VA - martha campbell/VA
6/2/2008 6:20:43 AM (4137 views)
Re: Flagship Title, Hampton VA - Teresa Martin/VA
2/2/2011 11:01:39 PM (5275 views)

Northwest Title & Escrow (Vandanais Heights, MN) - Michaela Urban/OH
5/29/2008 12:09:58 PM (3969 views)
Re: Northwest Title & Escrow (Vandanais Heights, MN) - george Hubka/MI
6/1/2008 10:06:07 PM (3958 views)

Top excuses for not paying vendors - . APS/NY
5/27/2008 8:41:27 PM (4126 views)
Re: Top excuses for not paying vendors - Lucille Femine/NJ
5/27/2008 11:18:57 PM (4417 views)
Re: Top excuses for not paying vendors - Kevin Ahern/CT
5/28/2008 6:45:54 AM (4281 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 (4096 views)
Re: Top excuses for not paying vendors - Kevin Ahern/CT
5/31/2008 5:51:12 PM (4012 views)
Re: Top excuses for not paying vendors - Robert Franco/OH
5/28/2008 12:05:20 PM (4199 views)
Re: Top excuses for not paying vendors - Scott Perry/PA
5/28/2008 12:31:18 PM (4904 views)
Re: Top excuses for not paying vendors - Rob  Robinson/PA
5/28/2008 4:04:06 PM (4274 views)
Re: Top excuses for not paying vendors - Matthew Sharpe/OH
6/2/2008 4:30:17 PM (3995 views)
Re: Top excuses for not paying vendors - William Pattison /CA
6/2/2008 5:20:07 PM (4124 views)
Re: Top excuses for not paying vendors - Scott Perry/PA
6/2/2008 5:39:46 PM (4133 views)
Re: Top excuses for not paying vendors - Rob  Robinson/PA
6/4/2008 2:46:11 PM (3969 views)

Junk Fee - Robert Franco/OH
5/27/2008 4:45:53 PM (3755 views)
Re: Junk Fee - Scott Perry/PA
5/27/2008 5:02:28 PM (4138 views)
Re: Junk Fee - Patrick Scott/IL
5/27/2008 10:37:29 PM (4159 views)
Re: Junk Fee - Robert Franco/OH
5/28/2008 12:10:00 PM (4213 views)
Re: Junk Fee - STEVE MEINECKE/TN
5/27/2008 11:52:26 PM (4077 views)
Re: Junk Fee - Robert Franco/OH
5/28/2008 12:11:34 PM (4084 views)
Re: Junk Fee - Clanci Nelson/OH
5/28/2008 1:38:32 PM (4235 views)
Re: Junk Fee - charles jetter/OH
5/29/2008 7:24:58 AM (4040 views)
Re: Junk Fee - Scott Perry/PA
5/29/2008 10:27:11 AM (4108 views)

Lets Search for title in India - David Bloys/TX
5/27/2008 12:57:12 AM (5420 views)
Re: Lets Search for title in India - STEVE MEINECKE/TN
5/27/2008 9:11:03 AM (4279 views)
Re: Lets Search for title in India - David Bloys/TX
5/27/2008 10:18:08 AM (4294 views)
Re: Lets Search for title in India - Rob  Robinson/PA
5/27/2008 12:43:13 PM (4107 views)
Re: Lets Search for title in India - STEVE MEINECKE/TN
5/27/2008 2:36:57 PM (4234 views)
Re: Lets Search for title in India - Rob  Robinson/PA
5/28/2008 3:31:35 PM (4123 views)
Re: Lets Search for title in India - Lynn Hammett/SC
5/29/2008 10:32:18 AM (4006 views)
Re: Lets Search for title in India - David Bloys/TX
5/29/2008 11:06:12 AM (4073 views)
Re: Lets Search for title in India - charles jetter/OH
5/29/2008 7:27:09 AM (4123 views)
Re: Lets Search for title in India - David Bloys/TX
5/29/2008 11:08:50 AM (4317 views)
Re: Lets Search for title in India - Rob  Robinson/PA
5/30/2008 9:00:06 AM (4161 views)
Re: Lets Search for title in India - Rahul/GA
10/14/2010 11:33:46 AM (3913 views)


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