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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 (2864 views)
Re: Time Management at it's best- Not title related just sharing - Dorothy Payne/NY
5/16/2011 7:30:28 PM (3159 views)

How are people from other countries doing it? - Carrin/TX
5/13/2011 11:23:27 AM (3255 views)
Re: How are people from other countries doing it? - Nils Nelson/ME
5/13/2011 3:52:19 PM (3507 views)
Re: How are people from other countries doing it? - Michael Toebe/KS
5/13/2011 6:40:14 PM (3367 views)
Re: How are people from other countries doing it? - Brenda Palmer/TN
5/16/2011 5:24:46 AM (3383 views)
Re: How are people from other countries doing it? - William Pattison /CA
5/31/2011 11:43:39 PM (3120 views)

I cannot answer my phone! - Robert Franco/OH
5/12/2011 3:30:15 PM (3312 views)
Re: I cannot answer my phone! - Kevin Ahern/CT
5/12/2011 4:12:47 PM (3444 views)
Re: I cannot answer my phone! - Leigh Attridge/MA
5/12/2011 4:26:50 PM (3440 views)
Re: I cannot answer my phone! - Donna McCullough/SC
5/12/2011 5:50:30 PM (3523 views)
Re: I cannot answer my phone! - Nils Nelson/ME
5/12/2011 6:00:07 PM (3299 views)
Re: I cannot answer my phone! - Nils Nelson/ME
5/12/2011 6:02:41 PM (3390 views)
Does your state offer a no-call list choice - Michael Toebe/KS
5/13/2011 6:42:33 PM (3405 views)
Re: I cannot answer my phone! - john franz/NJ
5/16/2011 8:54:52 AM (3195 views)

1 in 3 homeowners underwater? - Garret  Fitzgerald/VA
5/11/2011 12:07:14 PM (4149 views)
Re: 1 in 3 homeowners underwater? - Robert Franco/OH
5/11/2011 12:46:53 PM (3429 views)
Re: 1 in 3 homeowners underwater? - Kevin Ahern/CT
5/11/2011 1:09:14 PM (3274 views)
Re: 1 in 3 homeowners underwater? - William Pattison /CA
5/11/2011 1:26:14 PM (3384 views)
Re: 1 in 3 homeowners underwater? - Scott Perry/PA
5/11/2011 4:44:30 PM (3514 views)
Re: Thank you... - Robert Franco/OH
5/11/2011 4:58:32 PM (3332 views)
Re: Thank you... - Scott Perry/PA
5/11/2011 5:32:35 PM (3272 views)
Re: Thank you... - Slade Smith/OH
5/11/2011 8:04:58 PM (3315 views)
Re: Thank you... - Scott Perry/PA
5/14/2011 10:40:03 AM (4743 views)
Re: Thank you... - Slade Smith/OH
5/14/2011 6:20:59 PM (3363 views)
Re: 1 in 3 homeowners underwater? - Mark Pierson/FL
5/16/2011 9:48:14 AM (3082 views)
Re: 1 in 3 homeowners underwater? - Slade Smith/OH
5/11/2011 7:50:08 PM (3293 views)
Re: 1 in 3 homeowners underwater? - Scott Perry/PA
5/14/2011 11:39:31 AM (3271 views)
Re: 1 in 3 homeowners underwater? - Kevin McCarthy/AR
5/16/2011 1:46:22 AM (3138 views)
Re: 1 in 3 homeowners underwater? - Scott Perry/PA
5/16/2011 7:15:02 AM (3173 views)
Re: 1 in 3 homeowners underwater? - Robert Franco/OH
5/16/2011 8:24:11 AM (3177 views)
Re: 1 in 3 homeowners underwater? - Janis Talbot/SC
5/16/2011 8:56:12 AM (3189 views)

Round the Clock Docs - Sandra Harold/KS
5/11/2011 11:35:38 AM (5360 views)
Re: Round the Clock Docs - Nils Nelson/ME
5/11/2011 11:45:00 AM (3709 views)
Re: Round the Clock Docs - rod hefner/KS
5/17/2011 5:11:03 PM (3486 views)
Round the Clock Docs -- NOT Affiliated with Abstractors A Go Go - Charlie Reynolds/NJ
5/17/2011 5:54:14 PM (3995 views)


Real Title Services


Fed Retreat on Bigger Loans Rattles Housing - Leigh Attridge/MA
5/11/2011 9:35:18 AM (3275 views)

No Mortgage Modification for me! - Paula Reynolds/FL
5/10/2011 5:56:32 PM (2983 views)
Re: No Mortgage Modification for me! - Garret  Fitzgerald/VA
5/11/2011 12:09:18 PM (3142 views)
Re: No Mortgage Modification for me! - john franz/NJ
5/16/2011 8:59:28 AM (3071 views)
Re: No Mortgage Modification for me! - Janis Talbot/SC
5/16/2011 9:04:02 AM (2953 views)

Comment on "Another County Looks to Recover Lost Fees from MERS" - Source of Title/OH
5/10/2011 2:59:01 PM (2807 views)
MERS - Lee Holzinger/CA
5/10/2011 2:59:01 PM (4796 views)

What is Reasonable? - Carl Litchfield/SC
5/9/2011 7:54:04 PM (2949 views)
Re: What is Reasonable? - Jessica Talley/FL
5/10/2011 9:02:44 AM (3100 views)
Re: What is Reasonable? - Donna McCullough/SC
5/10/2011 9:06:42 PM (3076 views)
Re: What is Reasonable? - Kevin Ahern/CT
5/11/2011 8:27:04 AM (3118 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 (3026 views)
Re: What is Reasonable? - Dan Zook/NY
5/11/2011 3:08:17 PM (3026 views)
Re: What is Reasonable? - Janis Talbot
5/16/2011 9:14:12 AM (2938 views)

Comment on "Title Insurance Industry 2010 Performance-- in Graphs" - Source of Title/OH
5/7/2011 4:00:23 PM (3165 views)
Good Work! - Wyatt Bell/FL
5/7/2011 4:00:23 PM (3214 views)
Re: Good Work! - Slade Smith/OH
5/9/2011 2:46:07 PM (3080 views)

Home Prices Double Dip Down - Leigh Attridge/MA
5/6/2011 11:21:46 AM (3754 views)
Re: Home Prices Double Dip Down - Slade Smith/OH
5/6/2011 1:10:02 PM (3274 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 (2764 views)
Ho-Chunk? - J. H./OH
5/4/2011 8:13:35 PM (7503 views)
Re: Ho-Chunk? - James Powell/MI
5/5/2011 7:54:42 AM (8864 views)

Offering: current owners for $ 20! - MJDT/KS
5/4/2011 1:47:18 AM (3441 views)
Re: Offering: current owners for $ 20! - William Pattison /CA
5/5/2011 2:23:07 PM (3604 views)
Re: Offering: current owners for $ 20! - Garret  Fitzgerald/VA
5/10/2011 1:34:36 AM (3308 views)
Re: Offering: current owners for $ 20! - john franz/NJ
5/10/2011 9:40:16 AM (3267 views)
VENDOR Packages: Reject Them - William Pattison /CA
5/11/2011 1:36:37 PM (3251 views)
Re: VENDOR Packages: Reject Them - Paula Reynolds/FL
5/12/2011 3:03:33 PM (3044 views)
Re: VENDOR Packages: Reject Them - William Pattison /CA
5/31/2011 11:47:08 PM (3290 views)

ALTA's CEO is Chairman of the Board of MERS..? - Slade Smith/OH
5/3/2011 9:40:30 AM (3032 views)
Re: ALTA's CEO is Chairman of the Board of MERS..? - Robert Franco/OH
5/3/2011 11:10:40 AM (3430 views)
Re: ALTA's CEO is Chairman of the Board of MERS..? - john franz/NJ
5/10/2011 9:33:40 AM (3029 views)

Harvard University reports "affordability crisis for renters" - Leigh Attridge/MA
5/3/2011 8:34:15 AM (3782 views)
Re: Harvard University reports "affordability crisis for renters" - Abstractor/GA
5/3/2011 11:54:46 AM (3300 views)
Re: Harvard University reports "affordability crisis for renters" - Leigh Attridge/MA
5/3/2011 2:41:27 PM (4837 views)


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