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Recent Owners Title questions

I took my landlord to court and today and tomorrow he was

I took my landlord to court and today and tomorrow he was supposed to send someone to paint the apartment and fix some other things. The superintendent just came and told me that he not going to paint but fix the other minor things. Can I refuse his work because I know he fix this before and still the same problem should I ask for professional instead of the superintendent? also he just came and complaint they were supposed to be here since 9 in the morning

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Thomas Swartz

Attorney

Juris Doctor

2,840 satisfied customers
I purchased a home in 2012. I paid outright for the property

Hi, I purchased a home in 2012. I paid outright for the property and have no mortgage. Paid for owners Title Insurance through First American. Now applying for a Home Equity Loan and my bank (since 1974) has discovered a lien from the previous owners. Closing Company/title Insurance Company both say the judgment was satisfied but the (less than reputable) attorney firm of Hayt, Hayt & Landau in Miami (acting on behalf of Capitol One) did not follow through with due diligence. I finally got through to them and they indicated that all their paperwork with Capital One had been recalled by Capital One. I called Capital One and they said they cannot help and I should go to the courthouse. I searched Seminole County documents and found the lien. My bank does not want to close until this is all cleared - they say they could but do not want me to face down the road should I decide to sell. Going around in circles. Do I file a claim, do I ask the bank to close and take my chances? Thanks for any adviceJA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: Florida - Seminole CountyJA: Has anything been filed or reported?Customer: I haven't filed anything but Title Insurance folks in Tallahassee office trying to get some answer from Capital One. Who should file what and to whom should I report this?JA: Anything else you want the lawyer to know before I connect you?Customer: Capital One apparently settled for $2,519.96 of the $5,059.93 owed but the lien was never removed by HH&L (based in Miami)

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Loren

Juris Doctor

40,320 satisfied customers
What do I need to do to register my out of state, title

What do I need to do to register my out of state, gray title vehicle in California ? It is currently registered in Tennessee. I am leaving the military and moving back to California.

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Chris T., JD

Lawyer

Doctoral Degree

7,540 satisfied customers
In Texas, closing on a house and have questions regarding the

In Texas, closing on a house and have questions regarding the closing costs. They want to charge me prepaid homeowners insurance for 12 months ($1675.00) plus another 3 months homeowner insurance ($419) as "Initial Escrow Payment at Closing". That seems ridiculous. First, why are they entitled to 1 yr homeowner insurance premium? I can see the lender wanting insurance on the property; however, once I obtain the insurance that should satisfy the lender. How I pay for the premiums is between me & my homeowner's carrier. Second, is lender double dipping by asking for 12 months plus 3 months monthly insurance premium?Another question, what's the purpose of Title Insurance? Is it mandatory I purchase Title Insurance? What is Mortgage Insurance? Is that mandatory? What is difference between Owner Title Insurance and Lender Title Insurance? Thank you for assisting me in answering these questions.

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Maverick

Doctoral Degree

7,150 satisfied customers
I worked really hard to get the car of my dreams And i found

I worked really hard to get the car of my dreamsAnd i found it. When i got the car it wasFrom one of those small used car lot placesAnd it turns out they never titled the carThey just put a dealer plate on the car and the i ended upBuying the car and they just passed on the original owners title to meSo i was so happy about getting the car i overlooked a slight information blunder on the original owners title and he lives in another state and i called the place i got the car from but now i get no reply from them and i am out all this money and a nice car sits in my driveway. Hiw can i fix this?? Please help. Thank you

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CalAttorney2

Attorney

Doctoral Degree

20,472 satisfied customers
When is it more appropriate to file for information or accountability

When is it more appropriate to file for information or accountability to the court from another party & why one of the below is used versus another.1. Subpoena2. Interrogatory3. Discovery motion4. Or other method?

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Roger

Litigation Attorney

Doctoral Degree

34,248 satisfied customers
I am about to refinance a loan, today. The Bank has changed

I am about to refinance a loan, today. The Bank has changed the GFE numbers (origination fee and credit to buyer) shortly before the closing day without me approving it. I can't make them change it back. What are my options and the relevant law?

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LegalKnowledge

Juris Doctor

33,152 satisfied customers
In Missouri, if you cosign an installment loan for a vehicle,

In Missouri, if you cosign an installment loan for a vehicle, are you required to be on title or can you sign without needing to have ownership in the vehicle?

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Lucy, Esq.

Juris Doctor

31,980 satisfied customers
My ex wife and I were divorced in 2009. In our divorce agreement,

My ex wife and I were divorced in 2009. In our divorce agreement, I took over the car payments of the car that she drives. Both of our names are XXXXX XXXXX the lien. She carries her own insurance. She hit a deer a few days ago. It's possible that the car is totaled. Being that I am financially obligated for this car, I asked her for her insurance information so that I can call them to be copied on the reports and have some decision making ability over second estimates and what not. She refuses to tell me anything about what is going on with it. She, of course, doesn't want the car to be totaled because she would then have to purchase a car with her own money. I am worried if the car isn't totaled, I'll then owe $14,000 on a car that has almost no value. What are my rights here, being that I am still the lien holder of this vehicle? Can the insurance company do anything without my OK? Is she wrong doing by refusing me any information about what is going on? We live 5 hrs apart so that makes it even more difficult. Is it possible that the insurance company would cut her a check for the damages that she could use for something other than repairing this car and I'd still be paying for a wrecked car? Thank you

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Barrister

Attorney/Landlord/Realtor

Doctoral Degree

50,186 satisfied customers
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