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I've been paid in moonshine
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# ? Jul 24, 2015 16:02 |
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# ? Mar 28, 2024 17:56 |
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JesustheDarkLord posted:I've been paid in moonshine When I promised to pay you with "Mountain Dew" that's not what I meant
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# ? Jul 24, 2015 16:08 |
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Ashcans posted:You should probably head over to the debt collection thread, but if that debt is actually yours and its the creditor suing you (ie, the card company and not the 8th person to buy that debt) I can't imagine a lawyer is actually going to save you any money overall. I've read a good portion of that thread it hasn't been too helpful in this case. It's the actual credit card company doing it... although they're being sort of weird about the whole thing. At first I received a letter from their lawyer saying they were going to sue if we didn't get the account current, which we did, and I stopped thinking about it. Then out of the blue I start getting all these letters from bankruptcy lawyers trying to get me to hire them since I was being sued, which was news to me. I called this week to make the payment that was due and afterwards kind of casually asked the customer service chick if they were suing us. After putting me on hold for twenty minutes she came back on and said that they were, and that she'd cancelled the payment I'd just made.
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# ? Jul 24, 2015 16:11 |
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JesustheDarkLord posted:I've been paid in moonshine Alcohol is as good as cash for lawyers. Its what they're gonna buy with the money anyhow. In the 80s, coke worked too.
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# ? Jul 24, 2015 17:22 |
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nm posted:Alcohol is as good as cash for lawyers. Its what they're gonna buy with the money anyhow. My lawyer friends accept firearms as payment too.
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# ? Jul 24, 2015 17:23 |
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We also got weekly pizza for a year one time from a dui client whose parents owned a pizza place.
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# ? Jul 24, 2015 17:28 |
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We got 1 client to pay us in leftover granite pavers, and another to pay us in labor and mortar. Voilà: new backyard patio!
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# ? Jul 24, 2015 17:30 |
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I got a sword once. I also got an edible arrangement. Wooooooo
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# ? Jul 24, 2015 17:34 |
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Stabby_McBitchslap posted:I've read a good portion of that thread it hasn't been too helpful in this case. It's the actual credit card company doing it... although they're being sort of weird about the whole thing. At first I received a letter from their lawyer saying they were going to sue if we didn't get the account current, which we did, and I stopped thinking about it. Then out of the blue I start getting all these letters from bankruptcy lawyers trying to get me to hire them since I was being sued, which was news to me. I called this week to make the payment that was due and afterwards kind of casually asked the customer service chick if they were suing us. After putting me on hold for twenty minutes she came back on and said that they were, and that she'd cancelled the payment I'd just made. Yeah, debt collector thread is probably your best bet. Based on what I've read there you might be able to avoid a judgement at least temporarily by actually showing up and requesting proof of the debt. A lot of times the lawyer is doing many such suits at once and expecting most/all of them to be default judgements when the debtor fails to show. On the other hand, based on most credit card agreements you're paying for their lawyer so eating up his time may not be in your best interests, and if he actually works for the credit card company he'll have easy access to proof you owe the debt.
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# ? Jul 24, 2015 18:04 |
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As a PD, we don't really get paid by clients, however I did get tamales from a lady who was accused of stealing tamale ingredients. Yum.
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# ? Jul 24, 2015 18:40 |
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Cross post from elsewhere: Anyone familiar with real estate law? Our owners title insurance was charged on HUD, but the lawyer neglected to actually purchase it. This is for a condo in NJ, closed in 2014. Now the lawyer says it will take a month to get the owner title insurance. Is there any cause for concern?
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# ? Jul 24, 2015 21:07 |
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How can you get title insurance on a transaction that has already occurred? Title Insurance is: "Hey, pay us $XXX.xx and we will certify that the person selling you this house has sufficient ownership (title) to do so. We are so confident in our research that we will shell out enough money to cover your loss in the event that we are wrong."
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# ? Jul 24, 2015 21:41 |
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Rated PG-34 posted:Cross post from elsewhere: If the lawyer you refer to is your lawyer, you should call and ask her.
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# ? Jul 24, 2015 21:41 |
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This is pretty lol to me personally because I've been doing title poo poo all. loving. week. RECORD YOUR DEEDS AND LET LAWYERS DRAFT THEM.
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# ? Jul 24, 2015 21:43 |
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Better yet, draft a release of the mortgage, record that, get a new mortgage based on the old one being released, repeat a half dozen times then avoid service on your boat in the Caribbean.
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# ? Jul 24, 2015 22:07 |
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Hot Dog Day #91 posted:If the lawyer you refer to is your lawyer, you should call and ask her. The lawyer is giving us the run around; the fact that he can't seem to buy the insurance immediately now suggests that the title is not clean.
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# ? Jul 24, 2015 22:46 |
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Rated PG-34 posted:The lawyer is giving us the run around; the fact that he can't seem to buy the insurance immediately now suggests that the title is not clean. blarzgh posted:How can you get title insurance on a transaction that has already occurred?
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# ? Jul 24, 2015 22:49 |
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Yes, the transaction already occurred, and in an uninsured fashion; we're more worried that the title isn't clean, which is suggested by not being able to purchase title insurance on it now for potential resale.
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# ? Jul 24, 2015 22:56 |
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Rated PG-34 posted:Yes, the transaction already occurred, and in an uninsured fashion; we're more worried that the title isn't clean, which is suggested by not being able to purchase title insurance on it now for potential resale. The fact that you can't purchase title insurance is suggested by the fact that the transaction already occurred. Because that's how title insurance works.
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# ? Jul 24, 2015 22:58 |
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Motronic posted:The fact that you can't purchase title insurance is suggested by the fact that the transaction already occurred. Because that's how title insurance works. Okay, that makes the most sense to me too. Why would the lawyer say he ordered it a month ago then, I have no idea. How can I check if the title is clean then?
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# ? Jul 24, 2015 23:04 |
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mastershakeman posted:Better yet, draft a release of the mortgage, record that, get a new mortgage based on the old one being released, repeat a half dozen times then avoid service on your boat in the Caribbean. keep going, i'm writing this down
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# ? Jul 24, 2015 23:04 |
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I hypothetically took a trip to South America last year, but forgot to buy travel insurance. I'm trying to buy some now, but my travel agent won't return my calls, does this mean there might be something fishy about my trip?
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# ? Jul 24, 2015 23:05 |
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Motronic posted:The fact that you can't purchase title insurance is suggested by the fact that the transaction already occurred. Because that's how title insurance works.
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# ? Jul 24, 2015 23:06 |
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Are you trying to purchase travel insurance retroactively? I think you should explain a bit more.
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# ? Jul 24, 2015 23:08 |
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I hypothetically died last year, but I can't buy life insurance
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# ? Jul 24, 2015 23:10 |
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Doing some more research, and it looks like title insurance is the only type of insurance that insures backwards in time and not forwards.
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# ? Jul 24, 2015 23:20 |
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blarzgh posted:How can you get title insurance on a transaction that has already occurred? There's no reason that can't be done after the fact, just replace "person selling owns" with "purported owner owns". I mean the new owner could buy title insurance for the next sale...
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# ? Jul 24, 2015 23:21 |
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Rated PG-34 posted:Doing some more research, and it looks like title insurance is the only type of insurance that insures backwards in time and not forwards. Reps and warranties insurance is also backwards looking.
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# ? Jul 24, 2015 23:25 |
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The reason it can't be done after the fact is that it's an insurance of the transaction itself. Without a pending transaction, there's nothing to insure. You could certainly buy a title opinion any day of the week, but that opinion is just that - an opinion. It doesn't do anything. Title insurance is supported by a Title Opinion, because they're saying "its our opinion that seller has good title, and if we are wrong we will pay."
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# ? Jul 24, 2015 23:26 |
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I think people may be conflating the opinion, and the policy. Title insurance is a product. That product is an insurance policy based on a title opinion.
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# ? Jul 24, 2015 23:30 |
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I'm told that it can be bought at any time: refinancing a mortgage requires new title insurance for the bank for instance.
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# ? Jul 24, 2015 23:30 |
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blarzgh posted:The reason it can't be done after the fact is that it's an insurance of the transaction itself. Without a pending transaction, there's nothing to insure. I think you're wrong...its an insurance that the title is clear, usually bought in the amount of the transaction just for convenience. No reason you can't get that done later other than you're obviously hosed when the search comes back "oops" and the insurance company says "no thanks." If it's clean now why wouldn't they write a policy?
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# ? Jul 24, 2015 23:35 |
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I don't do real estate and I've never bought a house, so please cure my ignorance: Title insurance is a bet based on research - the bet being there are not any surprise parties holding some unknown interest in real property. If that's a good bet when A sells the property to B, why isn't it a good bet the next day, or the next year. Title insurance isn't insuring against the seller coming back and suing the buyer, it's insuring against some unknown third party suing the buyer. I don't see how it's tied to the transaction, other than the fact that it would be dumb to buy property without getting it. It's not like getting trip insurance for last year's trip, or flood insurance after the flood; the thing you're insuring against hasn't actually happened yet. What is the flaw in my understanding?
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# ? Jul 24, 2015 23:42 |
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While we're talking title insurance, there was something I was curious about. My sister bought property recently and a neighbor told her husband that some of the land he was mowing belonged to the neighbor, not my sister. They're in a dispute about it now, lawyers are involved. Based on my limited understanding of title insurance, I suggested that my sister contact her title insurance since this sounds like the kind of thing they're supposed to cover- the survey done as part of the purchase indicated she was buying that land, the neighbor claims he has a contradicting survey, and I thought title insurance would step in to help if someone else was claiming land that was part of that purchase. She got in touch and said it wasn't something they cover, which surprised me. What am I missing about title insurance that makes that something it wouldn't cover?
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# ? Jul 24, 2015 23:51 |
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Sefer posted:While we're talking title insurance, there was something I was curious about. My sister bought property recently and a neighbor told her husband that some of the land he was mowing belonged to the neighbor, not my sister. They're in a dispute about it now, lawyers are involved. Based on my limited understanding of title insurance, I suggested that my sister contact her title insurance since this sounds like the kind of thing they're supposed to cover- the survey done as part of the purchase indicated she was buying that land, the neighbor claims he has a contradicting survey, and I thought title insurance would step in to help if someone else was claiming land that was part of that purchase. She got in touch and said it wasn't something they cover, which surprised me. What am I missing about title insurance that makes that something it wouldn't cover? From some random web page: quote:One aspect that often goes unmentioned though is what is commonly referred to as the "survey exception". Near the back of most title insurance commitments are "standard exceptions" which are matters that the title policy will not insure against. These commonly include unrecorded claims, taxes and liens that are due after the date of the title examination and policy, etc. This is understandable, and of no surprise. But the one that can really come back to a property owner later is the "survey exception". Varying according to the title insurance company and type of policy, this exception generally omits coverage against any encroachment, overlaps, encumbrance, boundary line dispute, or other matters which would have been disclosed by a current survey. What qualifies as "current" varies but is generally between 30 and 90 days of the date of the title examination. http://www.chastainassociates.com/title-insurance.aspx
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# ? Jul 25, 2015 00:14 |
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Rated PG-34 posted:I'm told that it can be bought at any time: refinancing a mortgage requires new title insurance for the bank for instance. Kazak_Hstan posted:Title insurance isn't insuring against the seller coming back and suing the buyer, it's insuring against some unknown third party suing the buyer. I don't see how it's tied to the transaction The cost of the transaction (this includes a refi) is what the policy is written against. I'm talking about a normal and typical real estate transaction in the US. Can you get insurance on just about any drat thing at any time for any reason if you're willing to pay for it? Sure. But that's not how regular title insurance works in my experience.
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# ? Jul 25, 2015 00:47 |
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Ok, let me clarify: If there was a defect in title at the time of the purchase, then the title company may find it for him now, after the fact - when they perform a title opinion. But if they do, they sure as gently caress aren't going to give him insurance. "Here, pay us $500, so we can shell out $500,000 on your behalf!" Typically when you go to closing: 1. You ask for a title policy 2. The Title Co. reviews the deed history and and liens or other encumbrances. 3. The Title Co. contacts lienholders or other holders of title defects and tries to fix them. 4. When everything comes back clean, or gets fixed,They generate their final title opinion, and exceptions from the conveyance. 5. They issue title insurance. 6. Everything else happens > closing > sale goes through. He can't retroactively get title insurance on the sale. He would have to look to the seller to indemnify him in the event of some defect. He can't retroactively insure his title with respect to the underlying transaction, [sidebar: its odd, because this is usually a condition of sale - I've never heard of an escrow agency that would sign off on the funds without a good title policy; its generally a condition to closing.] Its a catch 22. If there is a problem with his title right now, he's hosed, and they won't issue the policy. If there's nothing wrong with his title, there's no reason for him to pay for the policy that they'd be happy to issue. I assume you can walk into any Title Company and ask for a title insurance policy on your house. They'll take your money, I'm sure. But if there is a defect in your title, they won't cover you anyways. Edit: /\ /\ /\ This is NOT ADVICE GET AN ATTORNEY /\ /\ /\ I'm a real estate attorney in Texas, which is as different from NJ as humanly possible. blarzgh fucked around with this message at 00:58 on Jul 25, 2015 |
# ? Jul 25, 2015 00:51 |
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Sefer posted:While we're talking title insurance, there was something I was curious about. My sister bought property recently and a neighbor told her husband that some of the land he was mowing belonged to the neighbor, not my sister. They're in a dispute about it now, lawyers are involved. Based on my limited understanding of title insurance, I suggested that my sister contact her title insurance since this sounds like the kind of thing they're supposed to cover- the survey done as part of the purchase indicated she was buying that land, the neighbor claims he has a contradicting survey, and I thought title insurance would step in to help if someone else was claiming land that was part of that purchase. She got in touch and said it wasn't something they cover, which surprised me. What am I missing about title insurance that makes that something it wouldn't cover? Most states have a Board of Insurance or something akin that writes all their standard insurance policies. Life, Title, or Car insurance; will often times be the same across the board on the most basic level, and then companies will add on coverages and other features on top of that. I'd bet a dollar that your state has that rule about surveys. Title research is kind of like ""Paul definitely owns all of Lot 1, Block 17 of Eastonwood Estates. Jane sold it to Steve who sold it to Janice who is sold it to Paul. We are confident that whatever Lot 1, Block 17 is, Paul owns that bitch." A metes and bounds description (generated by the surveyor) is "Here is what Lot 1, Block 17 is. its 1.2756 acres, where if you start at the southeast corner, and go 50 feet, turn west, blah blah blah."
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# ? Jul 25, 2015 00:56 |
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We will insure this title EXCEPTION: entrenched colony of gypsies
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# ? Jul 25, 2015 00:57 |
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# ? Mar 28, 2024 17:56 |
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Title insurance doesn't necessarily get involved over boundary disputes. I've never seen a title insurance policy issued after the transaction. But that doesn't mean they don't exist. I'm also a real estate attorney in Texas and one day blarzgh and I WILL come into conflict and I can't wait. Hot Dog Day #91 fucked around with this message at 01:05 on Jul 25, 2015 |
# ? Jul 25, 2015 01:00 |