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Here's my rant - Loretta Reed/MD
10/13/2005 11:05:00 AM (3300 views)
Re: Here's my rant - Iris Buchman/FL
10/13/2005 4:50:59 PM (5954 views)
Re: Here's my rant - Kurt deVries/FL
10/14/2005 9:36:24 AM (5932 views)
Re: Here's my rant - Jay Duncan/MO
10/14/2005 1:44:49 PM (5943 views)
Re: Here's my rant - Matt Papsch/MD
10/13/2005 5:35:02 PM (5864 views)
Re: Here's my rant - Loretta Reed/MD
10/14/2005 11:47:19 AM (6073 views)
Re: Here's my rant - Robert Franco/OH
10/14/2005 12:12:08 PM (5882 views)
Re: Here's my rant - Wendi See/SC
10/15/2005 10:24:17 PM (5895 views)

Refaxing - Danielle Nelson/WI
10/12/2005 2:14:31 PM (3319 views)
Re: Refaxing - STEVE MEINECKE/VA
10/12/2005 3:00:22 PM (5769 views)
Re: Refaxing - Robert Franco/OH
10/12/2005 3:28:29 PM (9354 views)
Re: Refaxing - Larry Crooks/OH
10/13/2005 8:45:13 AM (5796 views)
Re: Refaxing - Danielle Nelson/WI
10/13/2005 11:38:05 AM (6502 views)
Re: Refaxing - Lisa Ramsey/TX
10/14/2005 9:55:23 AM (5792 views)
Re: Refaxing - Kelly Chamblee/OH
10/13/2005 1:37:01 PM (5801 views)
Re: Refaxing - Robert Franco/OH
10/13/2005 2:38:26 PM (5846 views)
Re: Refaxing - Susan Matson/MN
10/17/2005 9:31:57 AM (6157 views)

Rant! - Tammy Knight/MO
10/12/2005 12:49:24 AM (3207 views)
Re: Rant! - Kurt deVries/FL
10/12/2005 2:02:22 PM (5602 views)
Re: Rant! - Robert Franco/OH
10/12/2005 3:11:23 PM (5666 views)

Excellent topic for discussion...  It is unfortunate that abstractors do not have an efficient course of action when clients fail to make payments.   There are several options, but they all have some level of difficulty or risk associated with them.

LEGAL ACTION - As Kevin Ahern has pointed out, the law provides for remedies in such cases.  However, the legal fees associated often make the use of the court system cost prohibitive.  Even if you win, you are still in a position of having to expend further efforts collecting on a judgment.

COLLECTION AGENCIES - This often is unsatisfying because even if the collection agency is successful, they are going to take a large portion of the amount collected.  Sometimes, collection agencies offer services with up-front fees that could be wasted if payment is not obtained.

RANSOM - Some abstractors have held work hostage for payment of delinquent accounts.  This can be risky.  In the case where the abstractor holds a filing, if an intervening lien is filed while the abstractor is holding the documents I would imagine that there would be some liability involved.  This also affects the borrower, or homeowner, and not just the client.  I never recommend holding filings - either file them or return them to the client immediately.  Holding new search orders is not as risky in this regard, as long as you let the client know that you are not completing the order until their account is paid, however, they are likely to cancel the order and place it elsewhere; which is ineffective in trying to collect a delinquent account.

PUBLIC POSTING OF NON-PAYMENT - This is what has been referred to in the previous post by Tammy.  It costs the abstractor nothing, and could hurt the non-paying client by making it difficult for them to find other abstractors willing to take the same risks.  It seems to have been effective, as we have seen on this forum.  However, one of these days it could spawn a lawsuit by the client for libel.  Source of Title has been threatened with lawsuits in the past for not removing these posts and I cringe every time I see one.  However, this is a public forum and Source of Title disclaims any liability for the content of the posts.  The forums are not censored and the person posting the information accepts full liability for the content.  Still, I do not encourage this type of posting. 

BLACK-LISTING - Creating lists of "dead-beat" clients has been suggested many times on this forum.  It would serve the purpose of letting other clients know what clients have a reputation of not paying their abstractors, however, there is no good way to verify the information.  We have all had clients that we have had good experiences with that others complain about, and vice versa.  Even more so than a single posting on the forum, this type of behavior could result in a lawsuit. I certainly would not be willing to participate in such a list.

Unfortunately, there is no good way to collect from a client that is just not willing to step-up and pay for the work they order.  Due to the nature of the business, abstractors are in a very weak bargaining position.  There are always going to be other abstractors willing to take on new business and accept the risk of not being paid.

Cut clients off early, before they owe too much.  Don't do any more work for them and consider it a learning experience.  If it is truly a large balance, it may be worth pursuing legal action.

I wish I had better advice... if anyone else does, please share it.

Best,
Robert A. Franco
SOURCE OF TITLE

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Re: Rant! - Scott Perry/PA
10/12/2005 6:03:33 PM (5510 views)
Re: Rant! - Kevin Ahern/CT
10/12/2005 5:06:42 PM (5549 views)
Re: Rant! - LAWANDA MCMILLIAN/AR
10/12/2005 8:21:41 PM (5555 views)
Re: Rant! - Scott Perry/PA
10/12/2005 10:02:17 PM (5531 views)
Re: Rant! - Robert Franco/OH
10/13/2005 12:26:35 AM (5590 views)
Re: Rant! - Tammy Knight/MO
10/13/2005 1:22:50 AM (5551 views)
Re: Rant! - Lisa Ramsey/TX
10/14/2005 10:02:18 AM (5567 views)
Re: Rant! - Kevin Ahern/CT
10/14/2005 12:29:44 PM (5419 views)
Re: Rant! - Kevin Ahern/CT
10/14/2005 12:48:29 PM (5492 views)
Re: Rant! - Kevin Ahern/CT
10/13/2005 4:56:56 AM (5428 views)
Re: Rant! - Iris Buchman/FL
10/13/2005 4:44:01 PM (5480 views)
Re: Rant! - Kevin Ahern/CT
10/14/2005 8:06:47 AM (5524 views)
Re: Rant! - Tammy Knight/MO
10/16/2005 10:08:48 PM (5549 views)
Re: Rant! - Kevin Ahern/CT
10/17/2005 8:21:44 AM (5888 views)

Erevna? - Tammy Knight/MO
10/12/2005 12:28:49 AM (3300 views)
Re: Erevna? - Tammy Knight/MO
10/12/2005 12:29:48 AM (5423 views)
Re: Erevna? - Becky Kale/IL
10/17/2005 2:15:26 PM (5713 views)

United Document Services of East Northport - JENNIFER HOLZMAN/PA
10/11/2005 1:24:41 PM (3206 views)
Re: United Document Services of East Northport - Scott Perry/PA
10/11/2005 7:24:54 PM (5389 views)




Abstractor Educational Workshops!!! - Jay Duncan/MO
10/7/2005 8:06:03 AM (3787 views)

Are you going to vote? - Jay Duncan/MO
10/7/2005 8:03:07 AM (2928 views)
Re: Are you going to vote? - Robert Franco/OH
10/7/2005 3:44:19 PM (5307 views)

WORKING CONDITIONS - Scott Perry/PA
10/6/2005 11:33:25 PM (3244 views)
Re: WORKING CONDITIONS - Lou Legaspi/IL
10/7/2005 7:30:22 AM (5290 views)
Re: WORKING CONDITIONS - Scott Perry/PA
10/7/2005 7:39:40 AM (5178 views)
Re: WORKING CONDITIONS - monica froese/ME
10/7/2005 9:20:14 PM (5265 views)
Re: WORKING CONDITIONS - Kelli Gorman/TX
10/10/2005 10:32:58 PM (5222 views)
Re: WORKING CONDITIONS - george Hubka/MI
10/7/2005 10:37:13 PM (5367 views)
Re: WORKING CONDITIONS - Helene/GA
10/8/2005 12:36:52 AM (5156 views)
Re: WORKING CONDITIONS - Anne Gilbert/VT
10/8/2005 7:29:57 AM (5278 views)
Re: WORKING CONDITIONS - Kelli Gorman/TX
10/10/2005 10:34:58 PM (5293 views)
Re: WORKING CONDITIONS - David Jenkins/PA
10/9/2005 4:51:44 PM (5160 views)
Re: WORKING CONDITIONS - Scott Perry/PA
10/9/2005 6:41:11 PM (5180 views)
Re: WORKING CONDITIONS - STEVE MEINECKE/VA
10/10/2005 3:31:03 PM (5237 views)
Re: WORKING CONDITIONS - Scott Perry/PA
10/10/2005 9:01:36 PM (5131 views)
Re: WORKING CONDITIONS - STEVE MEINECKE/VA
10/10/2005 9:45:44 PM (5113 views)
Re: WORKING CONDITIONS - David Bloys/TX
10/10/2005 11:03:28 PM (5126 views)
Re: WORKING CONDITIONS - Scott Perry/PA
10/10/2005 11:15:25 PM (5025 views)
Re: WORKING CONDITIONS - Scott Perry/PA
10/10/2005 11:13:11 PM (4902 views)
Re: WORKING CONDITIONS - STEVE MEINECKE/VA
10/11/2005 10:57:24 AM (5069 views)
Re: WORKING CONDITIONS - Scott Perry/PA
10/11/2005 9:49:57 PM (4994 views)
Re: WORKING CONDITIONS - STEVE MEINECKE/VA
10/11/2005 11:14:15 PM (4951 views)
Re: WORKING CONDITIONS - Scott Perry/PA
10/12/2005 12:03:15 AM (4976 views)
Re: WORKING CONDITIONS - STEVE MEINECKE/VA
10/12/2005 9:01:09 AM (4957 views)
Re: WORKING CONDITIONS - Scott Perry/PA
10/12/2005 9:59:41 PM (5002 views)
Re: WORKING CONDITIONS - STEVE MEINECKE/VA
10/13/2005 9:39:27 AM (4872 views)
Re: WORKING CONDITIONS - Robert Franco/OH
10/13/2005 10:43:45 AM (4783 views)
Re: WORKING CONDITIONS - Scott Perry/PA
10/13/2005 6:27:31 PM (4868 views)
Re: WORKING CONDITIONS - STEVE MEINECKE/VA
10/14/2005 9:10:26 PM (4864 views)
Re: WORKING CONDITIONS - Scott Perry/PA
10/14/2005 11:38:36 PM (4924 views)
Re: WORKING CONDITIONS - STEVE MEINECKE/VA
10/15/2005 2:17:00 PM (4964 views)
Re: WORKING CONDITIONS - george Hubka/MI
10/11/2005 9:09:22 PM (5223 views)
Re: WORKING CONDITIONS - STEVE MEINECKE/VA
10/11/2005 10:50:27 PM (4920 views)
Re: WORKING CONDITIONS - Robert Franco/OH
10/11/2005 11:29:28 PM (4942 views)
Re: WORKING CONDITIONS - STEVE MEINECKE/VA
10/12/2005 8:46:58 AM (4911 views)
Re: WORKING CONDITIONS - Robert Franco/OH
10/11/2005 1:20:16 PM (5064 views)
Re: WORKING CONDITIONS - Scott Perry/PA
10/12/2005 7:38:19 AM (4943 views)

ATA - Iris Buchman/FL
10/6/2005 1:17:26 AM (3179 views)
Re: ATA - Kurt deVries/FL
10/6/2005 11:21:11 AM (5224 views)
Re: ATA - Iris Buchman/FL
10/6/2005 4:09:20 PM (5199 views)
Re: ATA - Anne Gilbert/VT
10/7/2005 6:18:04 AM (5282 views)
Re: ATA - Iris Buchman/FL
10/7/2005 8:08:38 AM (5051 views)
Re: ATA - michelle foskey/GA
10/24/2005 2:05:34 PM (5228 views)

Be Clear with your Client - Wanda Steudel/OH
10/5/2005 5:13:39 PM (2980 views)
Re: Be Clear with your Client - David Bloys/TX
10/5/2005 5:36:10 PM (4975 views)
Re: Be Clear with your Client - Scott Perry/PA
10/5/2005 7:17:55 PM (5022 views)
Re: Be Clear with your Client - David Bloys/TX
10/5/2005 8:26:52 PM (6656 views)
Re: Be Clear with your Client - Scott Perry/PA
10/5/2005 10:30:11 PM (5110 views)
Re: Be Clear with your Client - Kurt deVries/FL
10/6/2005 11:25:11 AM (5054 views)
Re: Be Clear with your Client - Robert Franco/OH
10/6/2005 11:38:24 AM (4958 views)
Re: Be Clear with your Client - Wanda Steudel/OH
10/6/2005 1:02:20 PM (5045 views)
Re: Be Clear with your Client - Larry Crooks/OH
10/10/2005 5:01:33 PM (4967 views)

2005 Independent Examiner Report Weekend Interviews - Jarrod Clabaugh/OH
10/4/2005 11:12:02 AM (2580 views)

PLAT MAPS? - Rebecca Barney/FL
10/4/2005 9:24:49 AM (3129 views)
Re: PLAT MAPS? - Julie Jasiunas/WI
10/4/2005 9:33:53 AM (5125 views)
Re: PLAT MAPS? - David Bloys/TX
10/4/2005 11:24:48 AM (4973 views)
Re: PLAT MAPS? - Rebecca Barney/FL
10/4/2005 11:32:32 AM (4963 views)
Re: PLAT MAPS? - Danielle Nelson/WI
10/4/2005 12:14:21 PM (4897 views)
Re: PLAT MAPS? - george Hubka/MI
10/4/2005 11:08:16 PM (5050 views)
Re: PLAT MAPS? - Helene/GA
10/4/2005 11:31:56 PM (4857 views)
Re: PLAT MAPS? - Lisa Ramsey/TX
10/4/2005 11:46:46 PM (4886 views)
Re: PLAT MAPS? - Robert Franco/OH
10/5/2005 12:37:04 AM (5035 views)
Re: PLAT MAPS? - Helga Hinck/NH
10/5/2005 12:02:56 PM (4935 views)
Re: PLAT MAPS? - Robert Franco/OH
10/5/2005 12:08:45 PM (4978 views)
Re: PLAT MAPS? - LAWANDA MCMILLIAN/AR
10/5/2005 3:25:11 PM (4893 views)
Re: PLAT MAPS? - Douglas Gallant/OH
10/5/2005 5:13:32 PM (4870 views)
Re: PLAT MAPS? - Matthew DeLand/NY
10/7/2005 9:46:53 AM (5055 views)
Re: PLAT MAPS? - STEVE MEINECKE/VA
10/14/2005 9:53:38 PM (4720 views)

Hello - Ricky Farrow/FL
10/3/2005 7:30:38 PM (2507 views)

Resolution to India Call - Jason Sheppard/PA
10/3/2005 11:55:48 AM (2984 views)
Re: Resolution to India Call - Jason Sheppard/PA
10/5/2005 11:04:09 AM (4769 views)

First Title & Escrow (Info) ??? - george Hubka/MI
10/3/2005 8:10:57 AM (3161 views)
Re: First Title & Escrow (Info) ??? - Danielle Nelson/WI
10/3/2005 2:10:52 PM (5288 views)
Re: First Title & Escrow (Info) ??? - Norean Cashwell/GA
10/3/2005 7:41:05 PM (5087 views)
Re: First Title & Escrow (Info) ??? - george Hubka/MI
10/3/2005 8:25:01 PM (5168 views)
Re: First Title & Escrow (Info) ??? - george Hubka/MI
10/3/2005 8:22:05 PM (5263 views)
Re: First Title & Escrow (Info) ??? - Norean Cashwell/GA
10/3/2005 9:12:45 PM (5168 views)
Re: First Title & Escrow (Info) ??? - Danielle Nelson/WI
10/4/2005 12:10:20 PM (5083 views)
Re: First Title & Escrow (Info) ??? - Wanda Steudel/OH
10/4/2005 2:02:14 PM (5077 views)
Re: First Title & Escrow (Info) ??? - Robert Franco/OH
10/4/2005 4:53:34 PM (4987 views)
Re: First Title & Escrow (Info) ??? - Kevin Ahern/CT
10/4/2005 5:45:57 PM (4905 views)
Re: First Title & Escrow (Info) ??? - Wanda Steudel/OH
10/4/2005 7:31:21 PM (4958 views)
Re: First Title & Escrow (Info) ??? - Kevin Ahern/CT
10/5/2005 6:27:19 AM (4984 views)
Re: First Title & Escrow (Info) ??? - Wanda Steudel/OH
10/5/2005 10:43:11 AM (4956 views)
Re: First Title & Escrow (Info) ??? - Charles Chen/MD
1/12/2006 11:43:59 AM (4647 views)
Re: First Title & Escrow (Info) ??? - James Smith/CA
3/8/2006 3:58:27 PM (4600 views)


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