The Social Security system is in place to help us through difficult times. Unfortunately, there are some instances in which the system makes our lives even more difficult than they need to be. The day I received the denial letter for my claim, I wasn't sure what I was going to do. After talking with a few friends, I contacted a lawyer. That was the best decision I had ever made. Even with the professional assistance, getting the denial overturned and getting the money that I was owed took several months. I have kept a clear journal of my experience and loaded it with information that can help others get through what can be an impossible time.
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Social security denial - a journal of assistance
What Is The Importance Of Title Examination In Real Estate Law?
Alexis Garcia
Title examination is the process where a real estate lawyer examines the past and present condition of the legal documents for a property. Your goal in hiring a real estate attorney to examine a property's title is to ensure that the current owner is able to transfer it to you without any problems. Here are several examples of why a title examination is important.
Search
Foremost, you want to know that a documentary trail exists for any property before you buy or otherwise acquire it. Generally, a county's records should reflect the history of the deed, tax payments, and survey data for the property.
If there isn't such a history, then that's likely a red flag. Even if a property has a short history because it was carved out of another location through a subdivision, there should be a documentary history through that early period. In most parts of the U.S., these histories will trace back to when the land was either part of a territory or a colony. At some point, every state organized its land for recording purposes so the property's history usually goes back that far.
Chain
The chain of title ownership is also important. If there is a gap in the history, someone might have a rightful claim to the land. Anyone who encounters such a problem can work with a real estate lawyer and the county to cure the title. Typically, the county court will try to fix the issue by stating that the current condition of the title is the only legally accepted one. Curing the title effectively cuts off any competing claims unless someone files paperwork with the court before a judge implements the cure.
Encumbrances
Even if the title is otherwise clean, there may be encumbrances. A common encumbrance comes from a bank while there's a mortgage. Sometimes financial institutions go under or get sloppy, leading to encumbrances never coming off of the title. Once more, you may have to ask a court to cure it.
Mechanics liens are also common. If a previous owner never paid a contractor in full for work on the property, the contracting firm might place a lien on it. Additional encumbrances include easements and impositions from homeowners' associations.
Defects
Finally, there could be an explicit problem with the title. For example, two parties might have open claims to the property. A real estate lawyer can work with the parties to fix the defects or take the issue before a judge.
Contact a local real estate lawyer to learn more.
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