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iMortgage Services - VIVIAN SLYKER/OH
6/5/2008 2:54:29 PM (3853 views)
Re: iMortgage Services - J Nisonger/CA
6/7/2008 8:26:00 PM (4971 views)
Re: iMortgage Services - VIVIAN SLYKER/OH
6/9/2008 7:54:29 AM (4880 views)

Mezzo Settlement Services - trish kerns/PA
6/5/2008 11:27:49 AM (3273 views)

Price increases due to gas costs - Deborah Manion/VA
6/4/2008 12:18:25 PM (3820 views)
Re: Price increases due to gas costs - Kevin Ahern/CT
6/4/2008 12:29:47 PM (5080 views)
Re: Price increases due to gas costs - Robert Franco/OH
6/4/2008 1:17:53 PM (5055 views)
Re: Price increases due to gas costs - Amy Tatusko/VA
6/4/2008 6:42:43 PM (5173 views)
Re: Price increases due to gas costs - Rob  Robinson/PA
6/5/2008 12:49:19 AM (5091 views)
Re: Price increases due to gas costs - KELLY ROBERTSON/CA
6/9/2008 8:54:11 AM (4837 views)
Re: Price increases due to gas costs - Cheryl Hartzman/PA
6/9/2008 10:51:43 AM (4933 views)
Re: Price increases due to gas costs - charles jetter/OH
6/11/2008 4:24:14 AM (4663 views)
Re: Price increases due to gas costs - Ron McPherson/IA
6/10/2008 3:59:32 AM (4765 views)

Project Open Records - William Pattison /CA
6/3/2008 12:26:34 PM (3850 views)
Re: Project Open Records - Scott Perry/PA
6/3/2008 12:45:17 PM (5027 views)
Re: Project Open Records - William Pattison /CA
6/3/2008 2:44:18 PM (4936 views)
Re: Project Open Records - Scott Perry/PA
6/3/2008 3:40:19 PM (7815 views)
Re: Project Open Records - William Pattison /CA
6/3/2008 4:24:27 PM (5058 views)
Re: Project Open Records - Robert Franco/OH
6/3/2008 9:27:42 PM (4947 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 1:49:33 PM (4709 views)
Re: Project Open Records - Robert Franco/OH
6/9/2008 2:45:45 PM (4806 views)
Re: Project Open Records - Jessica Talley/NJ
6/3/2008 9:28:20 PM (4888 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 1:37:21 PM (4787 views)
Re: Project Open Records - Kevin Ahern/CT
6/4/2008 9:38:30 AM (4912 views)
Re: Project Open Records - Jeanine Johnson/FL
6/9/2008 12:17:09 PM (4621 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 1:21:31 PM (4695 views)
Re: Project Open Records - Scott Perry/PA
6/9/2008 2:07:08 PM (4710 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 2:25:34 PM (4743 views)
Re: Project Open Records - Scott Perry/PA
6/9/2008 3:17:45 PM (4793 views)
Re: Project Open Records - michael quinn/NY
6/10/2008 12:41:55 AM (4766 views)
Re: Project Open Records - William Pattison /CA
6/12/2008 2:20:12 PM (4687 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 2:07:10 PM (4706 views)
Re: Project Open Records - michael quinn/NY
6/10/2008 1:28:01 AM (4743 views)
Re: Project Open Records - STEVE MEINECKE/TN
6/10/2008 8:17:01 AM (4782 views)
Re: Project Open Records - William Pattison /CA
6/11/2008 12:42:12 PM (4728 views)
Re: Project Open Records - STEVE MEINECKE/TN
6/11/2008 1:21:49 PM (4692 views)
Re: Project Open Records - William Pattison /CA
6/19/2008 2:04:54 PM (4701 views)
Re: Project Open Records - Scott Perry/PA
6/20/2008 8:24:00 AM (4875 views)
Re: Project Open Records - William Pattison /CA
7/1/2008 2:37:49 PM (4735 views)

Math Question - Jack Johanson/PA
6/3/2008 11:16:18 AM (3829 views)
Re: Math Question - Scott Perry/PA
6/3/2008 12:12:50 PM (4655 views)
Re: Math Question - michael quinn/NY
6/3/2008 1:09:40 PM (4640 views)
Re: Math Question - Jack Johanson/PA
6/3/2008 1:18:20 PM (4640 views)
Re: Math Question - michael quinn/NY
6/4/2008 4:50:56 AM (4698 views)
Re: Math Question - Douglas Gallant/OH
6/4/2008 4:24:34 PM (4657 views)
Re: Math Question - STEVE MEINECKE/TN
6/4/2008 6:13:13 PM (4786 views)
Re: Math Question - Rob  Robinson/PA
6/5/2008 12:44:38 AM (4389 views)
Re: Math Question - Scott Perry/PA
6/5/2008 6:51:35 AM (4618 views)
Re: Math Question - Rob  Robinson/PA
6/5/2008 10:19:15 AM (7410 views)
Re: Math Question - michael quinn/NY
6/5/2008 10:55:39 AM (4536 views)
Re: Math Question - Scott Perry/PA
6/5/2008 11:24:55 AM (4468 views)
Re: Math Question - Jack Johanson/PA
6/5/2008 3:55:29 PM (4504 views)
Re: Math Question - Slade Smith/OH
6/6/2008 6:05:27 AM (4483 views)
Re: Math Question - Scott Perry/PA
6/6/2008 7:02:18 AM (4546 views)
Re: Math Question - STEVE MEINECKE/TN
6/6/2008 8:36:47 AM (4332 views)
Re: Math Question - Robert Franco/OH
6/6/2008 11:34:50 AM (4653 views)
Re: Math Question - STEVE MEINECKE/TN
6/6/2008 11:47:53 AM (4582 views)
Re: Math Question - michael quinn/NY
6/6/2008 10:23:40 AM (4350 views)
Re: Math Question - Slade Smith/OH
6/6/2008 7:31:35 PM (4410 views)
Going for extra credit... - Robert Franco/OH
6/6/2008 1:28:24 PM (4454 views)
Re: Going for extra credit... - Slade Smith/OH
6/6/2008 7:36:08 PM (4209 views)
Re: Going for extra credit... - Douglas Gallant/OH
6/6/2008 8:44:59 PM (4188 views)
Re: Going for extra credit... ANSWER - Slade Smith/OH
6/10/2008 1:28:53 AM (4274 views)
Re: Going for extra credit... ANSWER - Robert Franco/OH
6/10/2008 10:51:22 AM (4252 views)
Re: Going for extra credit... ANSWER - Slade Smith/OH
6/11/2008 2:35:05 AM (4208 views)
Re: Math Question - Douglas Gallant/OH
6/5/2008 5:11:54 PM (4342 views)
Re: Math Question - Rob  Robinson/PA
6/6/2008 9:25:18 AM (4220 views)
Re: Math Question - Jack Johanson/PA
6/6/2008 10:10:55 AM (4329 views)
Re: Math Question - Rob  Robinson/PA
6/6/2008 11:01:07 AM (4293 views)
Re: Math Question - Douglas Gallant/OH
6/6/2008 2:13:59 PM (4295 views)
Re: Math Question - Robert Franco/OH
6/6/2008 11:39:06 AM (4510 views)
Re: Math Question - STEVE MEINECKE/TN
6/6/2008 11:54:08 AM (4460 views)
Re: Math Question - Douglas Gallant/OH
6/6/2008 1:53:48 PM (4237 views)
BOTTOM LINE: - Scott Perry/PA
6/6/2008 3:44:32 PM (4249 views)
Re: Math Question - michael quinn/NY
6/7/2008 12:16:58 AM (4246 views)
Re: Math Question - michael quinn/NY
6/7/2008 12:22:57 AM (4300 views)
Re: Math Question - J Nisonger/CA
6/7/2008 7:37:07 PM (4198 views)
Re: Math Question - michael quinn/NY
6/7/2008 11:37:48 PM (4217 views)




Cleveland conference - Gayle Hironimus/NC
6/2/2008 7:31:16 PM (3752 views)
Re: Cleveland conference - Richard Yeager/MI
6/4/2008 3:18:11 PM (4898 views)
Re: Cleveland conference - Jeremy Yohe/OH
6/4/2008 11:01:55 PM (7735 views)
Re: Cleveland conference - Robert Franco/OH
6/5/2008 10:05:46 AM (4829 views)
Re: Cleveland conference - Gayle Hironimus/NC
6/5/2008 10:58:32 AM (4958 views)

Eastern Shore Abstractors - Frustrated in MD/MD
6/2/2008 12:46:44 PM (4165 views)
Re: Eastern Shore Abstractors - Deborah Manion/VA
6/2/2008 1:18:09 PM (4970 views)
Re: Eastern Shore Abstractors - Chuck Y/NY
6/2/2008 1:29:44 PM (4978 views)
Re: Eastern Shore Abstractors - Andrew Veliuona/MD
6/4/2008 6:22:13 AM (8164 views)
Re: Eastern Shore Abstractors - Loretta Reed/MD
6/4/2008 7:30:32 AM (4868 views)
Re: Eastern Shore Abstractors - STEVE MEINECKE/TN
6/4/2008 9:18:44 PM (5016 views)
Re: Eastern Shore Abstractors - Loretta Reed/MD
6/5/2008 7:25:53 AM (5006 views)
Re: Eastern Shore Abstractors - Loretta Reed/MD
6/5/2008 8:18:36 AM (4954 views)
Re: Eastern Shore Abstractors - michael quinn/NY
6/5/2008 11:18:30 AM (5014 views)
Re: Eastern Shore Abstractors - Rob  Robinson/PA
6/9/2008 11:16:05 AM (4824 views)
Re: Eastern Shore Abstractors - Laurie E/MD
6/5/2008 1:34:26 PM (4950 views)
Re: Eastern Shore Abstractors - michael quinn/NY
6/5/2008 1:52:36 PM (4771 views)
Re: Eastern Shore Abstractors - Laurie E/MD
6/5/2008 3:18:19 PM (4867 views)
Re: Eastern Shore Abstractors - Chuck Y/NY
6/6/2008 9:10:47 AM (4812 views)
Re: Online solutions - STEVE MEINECKE/TN
6/6/2008 9:56:18 AM (4753 views)
Re: Online solutions - Ron McPherson/IA
6/6/2008 9:34:28 PM (4684 views)

Grand Info, Inc - Response from the Owner - Robb Grandon/MI
6/2/2008 12:03:42 PM (4235 views)
Re: Grand Info, Inc - Response from the Owner - Scott Perry/PA
6/2/2008 6:49:42 PM (5095 views)
Clarification - Vikki Moffitt/GA
6/3/2008 7:05:47 AM (5037 views)
Re: Clarification - michael quinn/NY
6/3/2008 11:38:21 AM (4924 views)
Re: Grand Info, Inc - Response from the Owner - michael quinn/NY
6/3/2008 4:58:50 AM (5010 views)
Re: Grand Info, Inc - Response from the Owner - KELLY ROBERTSON/CA
6/9/2008 9:05:45 AM (7852 views)
Re: Grand Info, Inc - Response from the Owner - Rob  Robinson/PA
6/9/2008 11:06:42 AM (4814 views)
Re: Grand Info, Inc - Response from the Owner - Joanie Hahr/VT
6/24/2008 6:27:52 PM (4818 views)
Re: Grand Info, Inc - Response from the Owner - J Nisonger/CA
6/25/2008 5:37:59 PM (4762 views)
Re: Grand Info, Inc - Response from the Owner - Loretta Reed/MD
6/26/2008 9:43:40 AM (4842 views)

Moonpie! - J Nisonger/CA
5/30/2008 6:20:46 PM (3993 views)
Re: Moonpie! - monica froese/ME
5/30/2008 6:43:56 PM (4774 views)
Re: Moonpie! - Patrick Scott/IL
5/30/2008 7:06:47 PM (4598 views)
Re: Moonpie! - Scott Perry/PA
5/30/2008 8:49:15 PM (4791 views)
Re: Moonpie! - Glenda Hodge/TN
5/30/2008 11:35:04 PM (4766 views)
Re: Moonpie! - J Nisonger/CA
6/5/2008 2:16:20 AM (4898 views)
Re: Moonpie! - J Nisonger/CA
6/7/2008 7:04:28 PM (4652 views)
Re: Moonpie! - Glenda Hodge/TN
6/8/2008 12:21:27 AM (4621 views)
Re: Moonpie! - J Nisonger/CA
6/7/2008 7:09:28 PM (4708 views)
Re: Moonpie! - Lynn Hammett/SC
5/31/2008 12:13:48 AM (4923 views)
Re: Moonpie! - Rob  Robinson/PA
5/31/2008 10:03:29 AM (4775 views)
Re: Moonpie! - STEVE MEINECKE/TN
6/4/2008 11:54:43 PM (5175 views)
Re: Moonpie! - Glenda Hodge/TN
6/5/2008 9:49:16 AM (4637 views)
Re: Moonpie Festival - STEVE MEINECKE/TN
6/5/2008 10:08:25 AM (4815 views)
Re: Moonpie Festival - Lynn Dukes/SC
6/6/2008 10:02:41 AM (4951 views)
Re: Moonpie! - STEVE MEINECKE/TN
6/6/2008 11:23:39 AM (4642 views)

Flagship Title, Hampton VA - Amy Tatusko/VA
5/30/2008 10:58:55 AM (4770 views)
Re: Flagship Title, Hampton VA - Lynne Goodwin/VA
5/30/2008 11:45:18 AM (5103 views)
Re: Six hour turn time - STEVE MEINECKE/TN
5/30/2008 1:34:20 PM (4981 views)
Re: Six hour turn time - martha campbell/VA
6/2/2008 6:53:29 AM (4825 views)
Re: Flagship Title, Hampton VA - martha campbell/VA
6/2/2008 6:20:43 AM (4809 views)
Re: Flagship Title, Hampton VA - Teresa Martin/VA
2/2/2011 11:01:39 PM (5970 views)

Northwest Title & Escrow (Vandanais Heights, MN) - Michaela Urban/OH
5/29/2008 12:09:58 PM (4159 views)
Re: Northwest Title & Escrow (Vandanais Heights, MN) - george Hubka/MI
6/1/2008 10:06:07 PM (4608 views)

Top excuses for not paying vendors - . APS/NY
5/27/2008 8:41:27 PM (4312 views)
Re: Top excuses for not paying vendors - Lucille Femine/NJ
5/27/2008 11:18:57 PM (5088 views)
Re: Top excuses for not paying vendors - Kevin Ahern/CT
5/28/2008 6:45:54 AM (4974 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 (4809 views)
Re: Top excuses for not paying vendors - Kevin Ahern/CT
5/31/2008 5:51:12 PM (4686 views)
Re: Top excuses for not paying vendors - Robert Franco/OH
5/28/2008 12:05:20 PM (4878 views)
Re: Top excuses for not paying vendors - Scott Perry/PA
5/28/2008 12:31:18 PM (5583 views)
Re: Top excuses for not paying vendors - Rob  Robinson/PA
5/28/2008 4:04:06 PM (4952 views)
Re: Top excuses for not paying vendors - Matthew Sharpe/OH
6/2/2008 4:30:17 PM (4651 views)
Re: Top excuses for not paying vendors - William Pattison /CA
6/2/2008 5:20:07 PM (4816 views)
Re: Top excuses for not paying vendors - Scott Perry/PA
6/2/2008 5:39:46 PM (4788 views)
Re: Top excuses for not paying vendors - Rob  Robinson/PA
6/4/2008 2:46:11 PM (4639 views)

Junk Fee - Robert Franco/OH
5/27/2008 4:45:53 PM (3936 views)
Re: Junk Fee - Scott Perry/PA
5/27/2008 5:02:28 PM (4833 views)
Re: Junk Fee - Patrick Scott/IL
5/27/2008 10:37:29 PM (4861 views)
Re: Junk Fee - Robert Franco/OH
5/28/2008 12:10:00 PM (4893 views)
Re: Junk Fee - STEVE MEINECKE/TN
5/27/2008 11:52:26 PM (4735 views)
Re: Junk Fee - Robert Franco/OH
5/28/2008 12:11:34 PM (4769 views)
Re: Junk Fee - Clanci Nelson/OH
5/28/2008 1:38:32 PM (4898 views)
Re: Junk Fee - charles jetter/OH
5/29/2008 7:24:58 AM (4719 views)
Re: Junk Fee - Scott Perry/PA
5/29/2008 10:27:11 AM (4755 views)

Lets Search for title in India - David Bloys/TX
5/27/2008 12:57:12 AM (5630 views)
Re: Lets Search for title in India - STEVE MEINECKE/TN
5/27/2008 9:11:03 AM (5039 views)
Re: Lets Search for title in India - David Bloys/TX
5/27/2008 10:18:08 AM (5042 views)
Re: Lets Search for title in India - Rob  Robinson/PA
5/27/2008 12:43:13 PM (4734 views)
Re: Lets Search for title in India - STEVE MEINECKE/TN
5/27/2008 2:36:57 PM (4872 views)
Re: Lets Search for title in India - Rob  Robinson/PA
5/28/2008 3:31:35 PM (4740 views)
Re: Lets Search for title in India - Lynn Hammett/SC
5/29/2008 10:32:18 AM (4674 views)
Re: Lets Search for title in India - David Bloys/TX
5/29/2008 11:06:12 AM (4710 views)
Re: Lets Search for title in India - charles jetter/OH
5/29/2008 7:27:09 AM (4784 views)
Re: Lets Search for title in India - David Bloys/TX
5/29/2008 11:08:50 AM (4946 views)
Re: Lets Search for title in India - Rob  Robinson/PA
5/30/2008 9:00:06 AM (4812 views)
Re: Lets Search for title in India - Rahul/GA
10/14/2010 11:33:46 AM (4517 views)

Title Plant Software - Vikki Moffitt/GA
5/25/2008 5:33:55 PM (6839 views)
Re: Title Plant Software - STEVE MEINECKE/TN
5/26/2008 9:23:36 PM (5441 views)
Re: Title Plant Software - Vikki Moffitt/GA
5/27/2008 9:22:35 AM (4905 views)
Re: Title Plant Software - Melinda Barcum, J.D./AL
5/27/2008 12:38:25 PM (5070 views)
Re: Title Plant Software - STEVE MEINECKE/TN
5/27/2008 2:14:54 PM (4823 views)
Re: Title Plant Software - Stephen Williams/MO
5/29/2008 2:08:18 PM (5086 views)
Re: Title Plant Software - STEVE MEINECKE/TN
5/29/2008 4:31:55 PM (4999 views)
Re: Title Plant Software - STEVE MEINECKE/TN
6/4/2008 7:24:54 PM (4750 views)
Re: Title Plant Software - Vikki Moffitt/GA
6/4/2008 7:42:13 PM (4742 views)
Re: Title Plant Software - STEVE MEINECKE/TN
6/4/2008 8:58:33 PM (4798 views)


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