Be careful of new credit agreement notices and credit card issuer’s notice of changes to card agreements. Recently, bank credit card issuers have begun sending out notices of “new card agreements” which sound consumer friendly. However, Beware! The terms of these agreements will cause you to lose your legal rights to contest problems with credit […]
Continue reading →“INSURED” is the party to whom coverage is extended by the terms of the policy. “INSURER” is a title insurance company which is a member or subscriber of the Title Insurance Rating Bureau of Pennsylvania. Unless otherwise indicated, “Insurer” includes all who are expressly authorized to act on behalf of the Insurer, including its […]
Continue reading →The First Amendment has two provisions concerning religion: the Establishment Clause and the Free Exercise Clause. The Establishment clause prohibits the government from “establishing” a religion. The precise definition of “establishment” is unclear. Historically, it meant prohibiting state-sponsored churches, such as the Church of England. The test to determine whether a law has the effect […]
Continue reading →There are many title troubles that can arise to cause the loss of your home–or your business property–or your mortgage investment. Title troubles not disclosed by the most careful search of the public records–called hidden hazards–are the most dangerous. Because of them, your abstract may be perfect, but your title worth-less. Your attorney’s examination may be […]
Continue reading →WHY YOU NEED TITLE INSURANCE You are in your late twenties, post college, ambitious, recently married and looking to start the next cornerstone chapter in your life; buying a home. For many first time property buyers the experience can be unknown territory. One of the key concepts that a first time buyer should become familiar with is […]
Continue reading →With everyone dealing with their fast paced lifestyles, iPhones, and all the instant gratification through technology, it is hard for people in the modern era to think about long term scenarios and eventual certainties of life. Illness, injury, incapacity, and death are inevitable. While medical and financial powers of attorney can’t prevent injury or incapacity, […]
Continue reading →In an Order dated June 30, 2014, a US District Judge held that Mortgage Electronic Registry Systems, Inc., also known as MERS (the electronic mortgage registry operated by Merscorp Inc.) violated Pennsylvania law by failing to properly record home loans that were sold or transferred. The typical residential mortgage finance transaction results in two legally […]
Continue reading →(Background: this case began in the United States District Court, Eastern District of Pennsylvania. Charles W. Proctor, III of The Law Offices of Proctor & Lindsay and Randall L. Wenger initiated this suit on behalf of the Hahn family, and represented Conestoga Wood Specialties before the the District Court and the United States Court of […]
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