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iMortgages - VIVIAN SLYKER/OH
6/5/2008 3:26:34 PM (3211 views)

iMortgage Services - VIVIAN SLYKER/OH
6/5/2008 2:54:29 PM (3781 views)
Re: iMortgage Services - J Nisonger/CA
6/7/2008 8:26:00 PM (4679 views)
Re: iMortgage Services - VIVIAN SLYKER/OH
6/9/2008 7:54:29 AM (4582 views)

Mezzo Settlement Services - trish kerns/PA
6/5/2008 11:27:49 AM (3187 views)

Price increases due to gas costs - Deborah Manion/VA
6/4/2008 12:18:25 PM (3750 views)
Re: Price increases due to gas costs - Kevin Ahern/CT
6/4/2008 12:29:47 PM (4769 views)
Re: Price increases due to gas costs - Robert Franco/OH
6/4/2008 1:17:53 PM (4746 views)
Re: Price increases due to gas costs - Amy Tatusko/VA
6/4/2008 6:42:43 PM (4863 views)
Re: Price increases due to gas costs - Rob  Robinson/PA
6/5/2008 12:49:19 AM (4791 views)
Re: Price increases due to gas costs - KELLY ROBERTSON/CA
6/9/2008 8:54:11 AM (4519 views)
Re: Price increases due to gas costs - Cheryl Hartzman/PA
6/9/2008 10:51:43 AM (4610 views)
Re: Price increases due to gas costs - charles jetter/OH
6/11/2008 4:24:14 AM (4369 views)
Re: Price increases due to gas costs - Ron McPherson/IA
6/10/2008 3:59:32 AM (4430 views)

Project Open Records - William Pattison /CA
6/3/2008 12:26:34 PM (3770 views)
Re: Project Open Records - Scott Perry/PA
6/3/2008 12:45:17 PM (4724 views)
Re: Project Open Records - William Pattison /CA
6/3/2008 2:44:18 PM (4632 views)
Re: Project Open Records - Scott Perry/PA
6/3/2008 3:40:19 PM (7491 views)
Re: Project Open Records - William Pattison /CA
6/3/2008 4:24:27 PM (4731 views)
Re: Project Open Records - Robert Franco/OH
6/3/2008 9:27:42 PM (4629 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 1:49:33 PM (4400 views)
Re: Project Open Records - Robert Franco/OH
6/9/2008 2:45:45 PM (4501 views)
Re: Project Open Records - Jessica Talley/NJ
6/3/2008 9:28:20 PM (4572 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 1:37:21 PM (4472 views)
Re: Project Open Records - Kevin Ahern/CT
6/4/2008 9:38:30 AM (4606 views)
Re: Project Open Records - Jeanine Johnson/FL
6/9/2008 12:17:09 PM (4311 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 1:21:31 PM (4370 views)
Re: Project Open Records - Scott Perry/PA
6/9/2008 2:07:08 PM (4421 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 2:25:34 PM (4431 views)
Re: Project Open Records - Scott Perry/PA
6/9/2008 3:17:45 PM (4474 views)
Re: Project Open Records - michael quinn/NY
6/10/2008 12:41:55 AM (4449 views)
Re: Project Open Records - William Pattison /CA
6/12/2008 2:20:12 PM (4375 views)
Re: Project Open Records - William Pattison /CA
6/9/2008 2:07:10 PM (4409 views)
Re: Project Open Records - michael quinn/NY
6/10/2008 1:28:01 AM (4415 views)
Re: Project Open Records - STEVE MEINECKE/TN
6/10/2008 8:17:01 AM (4466 views)
Re: Project Open Records - William Pattison /CA
6/11/2008 12:42:12 PM (4423 views)
Re: Project Open Records - STEVE MEINECKE/TN
6/11/2008 1:21:49 PM (4388 views)
Re: Project Open Records - William Pattison /CA
6/19/2008 2:04:54 PM (4386 views)
Re: Project Open Records - Scott Perry/PA
6/20/2008 8:24:00 AM (4583 views)
Re: Project Open Records - William Pattison /CA
7/1/2008 2:37:49 PM (4440 views)




Math Question - Jack Johanson/PA
6/3/2008 11:16:18 AM (3762 views)
Re: Math Question - Scott Perry/PA
6/3/2008 12:12:50 PM (4347 views)
Re: Math Question - michael quinn/NY
6/3/2008 1:09:40 PM (4354 views)
Re: Math Question - Jack Johanson/PA
6/3/2008 1:18:20 PM (4337 views)
Re: Math Question - michael quinn/NY
6/4/2008 4:50:56 AM (4398 views)
Re: Math Question - Douglas Gallant/OH
6/4/2008 4:24:34 PM (4340 views)
Re: Math Question - STEVE MEINECKE/TN
6/4/2008 6:13:13 PM (4479 views)
Re: Math Question - Rob  Robinson/PA
6/5/2008 12:44:38 AM (4103 views)
Re: Math Question - Scott Perry/PA
6/5/2008 6:51:35 AM (4318 views)
Re: Math Question - Rob  Robinson/PA
6/5/2008 10:19:15 AM (7099 views)
Re: Math Question - michael quinn/NY
6/5/2008 10:55:39 AM (4240 views)
Re: Math Question - Scott Perry/PA
6/5/2008 11:24:55 AM (4158 views)
Re: Math Question - Jack Johanson/PA
6/5/2008 3:55:29 PM (4222 views)
Re: Math Question - Slade Smith/OH
6/6/2008 6:05:27 AM (4184 views)
Re: Math Question - Scott Perry/PA
6/6/2008 7:02:18 AM (4245 views)
Re: Math Question - STEVE MEINECKE/TN
6/6/2008 8:36:47 AM (4038 views)
Re: Math Question - Robert Franco/OH
6/6/2008 11:34:50 AM (4354 views)
Re: Math Question - STEVE MEINECKE/TN
6/6/2008 11:47:53 AM (4277 views)
Re: Math Question - michael quinn/NY
6/6/2008 10:23:40 AM (4035 views)
Re: Math Question - Slade Smith/OH
6/6/2008 7:31:35 PM (4091 views)
Going for extra credit... - Robert Franco/OH
6/6/2008 1:28:24 PM (4177 views)
Re: Going for extra credit... - Slade Smith/OH
6/6/2008 7:36:08 PM (3930 views)
Re: Going for extra credit... - Douglas Gallant/OH
6/6/2008 8:44:59 PM (3902 views)
Re: Going for extra credit... ANSWER - Slade Smith/OH
6/10/2008 1:28:53 AM (3950 views)
Re: Going for extra credit... ANSWER - Robert Franco/OH
6/10/2008 10:51:22 AM (3963 views)
Re: Going for extra credit... ANSWER - Slade Smith/OH
6/11/2008 2:35:05 AM (3922 views)
Re: Math Question - Douglas Gallant/OH
6/5/2008 5:11:54 PM (4035 views)
Re: Math Question - Rob  Robinson/PA
6/6/2008 9:25:18 AM (3925 views)
Re: Math Question - Jack Johanson/PA
6/6/2008 10:10:55 AM (4067 views)
Re: Math Question - Rob  Robinson/PA
6/6/2008 11:01:07 AM (4000 views)
Re: Math Question - Douglas Gallant/OH
6/6/2008 2:13:59 PM (4002 views)
Re: Math Question - Robert Franco/OH
6/6/2008 11:39:06 AM (4202 views)
Re: Math Question - STEVE MEINECKE/TN
6/6/2008 11:54:08 AM (4178 views)
Re: Math Question - Douglas Gallant/OH
6/6/2008 1:53:48 PM (3946 views)
BOTTOM LINE: - Scott Perry/PA
6/6/2008 3:44:32 PM (3946 views)
Re: Math Question - michael quinn/NY
6/7/2008 12:16:58 AM (3954 views)
Re: Math Question - michael quinn/NY
6/7/2008 12:22:57 AM (4006 views)
Re: Math Question - J Nisonger/CA
6/7/2008 7:37:07 PM (3907 views)
Re: Math Question - michael quinn/NY
6/7/2008 11:37:48 PM (3919 views)

Cleveland conference - Gayle Hironimus/NC
6/2/2008 7:31:16 PM (3643 views)
Re: Cleveland conference - Richard Yeager/MI
6/4/2008 3:18:11 PM (4566 views)
Re: Cleveland conference - Jeremy Yohe/OH
6/4/2008 11:01:55 PM (7423 views)
Re: Cleveland conference - Robert Franco/OH
6/5/2008 10:05:46 AM (4525 views)
Re: Cleveland conference - Gayle Hironimus/NC
6/5/2008 10:58:32 AM (4671 views)

Eastern Shore Abstractors - Frustrated in MD/MD
6/2/2008 12:46:44 PM (4093 views)
Re: Eastern Shore Abstractors - Deborah Manion/VA
6/2/2008 1:18:09 PM (4670 views)
Re: Eastern Shore Abstractors - Chuck Y/NY
6/2/2008 1:29:44 PM (4659 views)
Re: Eastern Shore Abstractors - Andrew Veliuona/MD
6/4/2008 6:22:13 AM (7854 views)
Re: Eastern Shore Abstractors - Loretta Reed/MD
6/4/2008 7:30:32 AM (4530 views)
Re: Eastern Shore Abstractors - STEVE MEINECKE/TN
6/4/2008 9:18:44 PM (4698 views)
Re: Eastern Shore Abstractors - Loretta Reed/MD
6/5/2008 7:25:53 AM (4680 views)
Re: Eastern Shore Abstractors - Loretta Reed/MD
6/5/2008 8:18:36 AM (4640 views)
Re: Eastern Shore Abstractors - michael quinn/NY
6/5/2008 11:18:30 AM (4667 views)
Re: Eastern Shore Abstractors - Rob  Robinson/PA
6/9/2008 11:16:05 AM (4483 views)
Re: Eastern Shore Abstractors - Laurie E/MD
6/5/2008 1:34:26 PM (4633 views)
Re: Eastern Shore Abstractors - michael quinn/NY
6/5/2008 1:52:36 PM (4444 views)
Re: Eastern Shore Abstractors - Laurie E/MD
6/5/2008 3:18:19 PM (4556 views)
Re: Eastern Shore Abstractors - Chuck Y/NY
6/6/2008 9:10:47 AM (4504 views)
Re: Online solutions - STEVE MEINECKE/TN
6/6/2008 9:56:18 AM (4451 views)
Re: Online solutions - Ron McPherson/IA
6/6/2008 9:34:28 PM (4363 views)

Grand Info, Inc - Response from the Owner - Robb Grandon/MI
6/2/2008 12:03:42 PM (4158 views)
Re: Grand Info, Inc - Response from the Owner - Scott Perry/PA
6/2/2008 6:49:42 PM (4755 views)
Clarification - Vikki Moffitt/GA
6/3/2008 7:05:47 AM (4678 views)
Re: Clarification - michael quinn/NY
6/3/2008 11:38:21 AM (4602 views)
Re: Grand Info, Inc - Response from the Owner - michael quinn/NY
6/3/2008 4:58:50 AM (4667 views)
Re: Grand Info, Inc - Response from the Owner - KELLY ROBERTSON/CA
6/9/2008 9:05:45 AM (7492 views)
Re: Grand Info, Inc - Response from the Owner - Rob  Robinson/PA
6/9/2008 11:06:42 AM (4463 views)
Re: Grand Info, Inc - Response from the Owner - Joanie Hahr/VT
6/24/2008 6:27:52 PM (4521 views)
Re: Grand Info, Inc - Response from the Owner - J Nisonger/CA
6/25/2008 5:37:59 PM (4438 views)
Re: Grand Info, Inc - Response from the Owner - Loretta Reed/MD
6/26/2008 9:43:40 AM (4516 views)

Moonpie! - J Nisonger/CA
5/30/2008 6:20:46 PM (3938 views)
Re: Moonpie! - monica froese/ME
5/30/2008 6:43:56 PM (4484 views)
Re: Moonpie! - Patrick Scott/IL
5/30/2008 7:06:47 PM (4292 views)
Re: Moonpie! - Scott Perry/PA
5/30/2008 8:49:15 PM (4509 views)
Re: Moonpie! - Glenda Hodge/TN
5/30/2008 11:35:04 PM (4474 views)
Re: Moonpie! - J Nisonger/CA
6/5/2008 2:16:20 AM (4609 views)
Re: Moonpie! - J Nisonger/CA
6/7/2008 7:04:28 PM (4345 views)
Re: Moonpie! - Glenda Hodge/TN
6/8/2008 12:21:27 AM (4330 views)
Re: Moonpie! - J Nisonger/CA
6/7/2008 7:09:28 PM (4427 views)
Re: Moonpie! - Lynn Hammett/SC
5/31/2008 12:13:48 AM (4614 views)
Re: Moonpie! - Rob  Robinson/PA
5/31/2008 10:03:29 AM (4459 views)
Re: Moonpie! - STEVE MEINECKE/TN
6/4/2008 11:54:43 PM (4859 views)
Re: Moonpie! - Glenda Hodge/TN
6/5/2008 9:49:16 AM (4357 views)
Re: Moonpie Festival - STEVE MEINECKE/TN
6/5/2008 10:08:25 AM (4504 views)
Re: Moonpie Festival - Lynn Dukes/SC
6/6/2008 10:02:41 AM (4655 views)
Re: Moonpie! - STEVE MEINECKE/TN
6/6/2008 11:23:39 AM (4366 views)

Flagship Title, Hampton VA - Amy Tatusko/VA
5/30/2008 10:58:55 AM (4650 views)
Re: Flagship Title, Hampton VA - Lynne Goodwin/VA
5/30/2008 11:45:18 AM (4791 views)
Re: Six hour turn time - STEVE MEINECKE/TN
5/30/2008 1:34:20 PM (4666 views)
Re: Six hour turn time - martha campbell/VA
6/2/2008 6:53:29 AM (4529 views)
Re: Flagship Title, Hampton VA - martha campbell/VA
6/2/2008 6:20:43 AM (4500 views)
Re: Flagship Title, Hampton VA - Teresa Martin/VA
2/2/2011 11:01:39 PM (5646 views)

Northwest Title & Escrow (Vandanais Heights, MN) - Michaela Urban/OH
5/29/2008 12:09:58 PM (4089 views)
Re: Northwest Title & Escrow (Vandanais Heights, MN) - george Hubka/MI
6/1/2008 10:06:07 PM (4323 views)

Top excuses for not paying vendors - . APS/NY
5/27/2008 8:41:27 PM (4239 views)
Re: Top excuses for not paying vendors - Lucille Femine/NJ
5/27/2008 11:18:57 PM (4797 views)
Re: Top excuses for not paying vendors - Kevin Ahern/CT
5/28/2008 6:45:54 AM (4691 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 (4493 views)
Re: Top excuses for not paying vendors - Kevin Ahern/CT
5/31/2008 5:51:12 PM (4383 views)
Re: Top excuses for not paying vendors - Robert Franco/OH
5/28/2008 12:05:20 PM (4601 views)
Re: Top excuses for not paying vendors - Scott Perry/PA
5/28/2008 12:31:18 PM (5299 views)
Re: Top excuses for not paying vendors - Rob  Robinson/PA
5/28/2008 4:04:06 PM (4666 views)
Re: Top excuses for not paying vendors - Matthew Sharpe/OH
6/2/2008 4:30:17 PM (4374 views)
Re: Top excuses for not paying vendors - William Pattison /CA
6/2/2008 5:20:07 PM (4514 views)
Re: Top excuses for not paying vendors - Scott Perry/PA
6/2/2008 5:39:46 PM (4515 views)
Re: Top excuses for not paying vendors - Rob  Robinson/PA
6/4/2008 2:46:11 PM (4346 views)

Junk Fee - Robert Franco/OH
5/27/2008 4:45:53 PM (3861 views)
Re: Junk Fee - Scott Perry/PA
5/27/2008 5:02:28 PM (4560 views)
Re: Junk Fee - Patrick Scott/IL
5/27/2008 10:37:29 PM (4568 views)
Re: Junk Fee - Robert Franco/OH
5/28/2008 12:10:00 PM (4594 views)
Re: Junk Fee - STEVE MEINECKE/TN
5/27/2008 11:52:26 PM (4448 views)
Re: Junk Fee - Robert Franco/OH
5/28/2008 12:11:34 PM (4483 views)
Re: Junk Fee - Clanci Nelson/OH
5/28/2008 1:38:32 PM (4622 views)
Re: Junk Fee - charles jetter/OH
5/29/2008 7:24:58 AM (4429 views)
Re: Junk Fee - Scott Perry/PA
5/29/2008 10:27:11 AM (4478 views)

Lets Search for title in India - David Bloys/TX
5/27/2008 12:57:12 AM (5549 views)
Re: Lets Search for title in India - STEVE MEINECKE/TN
5/27/2008 9:11:03 AM (4673 views)
Re: Lets Search for title in India - David Bloys/TX
5/27/2008 10:18:08 AM (4703 views)
Re: Lets Search for title in India - Rob  Robinson/PA
5/27/2008 12:43:13 PM (4463 views)
Re: Lets Search for title in India - STEVE MEINECKE/TN
5/27/2008 2:36:57 PM (4604 views)
Re: Lets Search for title in India - Rob  Robinson/PA
5/28/2008 3:31:35 PM (4468 views)
Re: Lets Search for title in India - Lynn Hammett/SC
5/29/2008 10:32:18 AM (4398 views)
Re: Lets Search for title in India - David Bloys/TX
5/29/2008 11:06:12 AM (4423 views)
Re: Lets Search for title in India - charles jetter/OH
5/29/2008 7:27:09 AM (4500 views)
Re: Lets Search for title in India - David Bloys/TX
5/29/2008 11:08:50 AM (4686 views)
Re: Lets Search for title in India - Rob  Robinson/PA
5/30/2008 9:00:06 AM (4522 views)
Re: Lets Search for title in India - Rahul/GA
10/14/2010 11:33:46 AM (4271 views)


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