Ask These 5 Questions When Choosing a RESPA Real Estate Attorney

“What the heck is RESPA?”

Many attorneys try to handle real estate matters in addition to their regular practice. Very few lawyers are aware of the complexities of the Real Estate Settlement and Procedures Act (RESPA) enforced by the Department of Housing and Urban Development (HUD.)

RESPA statutes are consumer protection laws that impact virtually all single family to four family homes. RESPA compliance issues and the remedies available to borrowers who have been victimized by unscrupulous mortgage lenders, title companies and other real estate settlement providers are a real challenge. Even for full-time real estate attorneys, RESPA is a very complex statute. You must be careful and ask questions of the attorney you choose in order to make sure you get the proper legal protection that the RESPA statute i is designed to accomplish. Consumers and Businesses alike are protected when RESPA is in compliance.

Question #1

“What RESPA experience do you have?”

No doubt about it. Start with the big one. Real estate laws and regulations are complicated enough without adding RESPA to the equation. Have they prepared marketing agreements that comply? Have they attended RESPA specific training courses and seminars? Have they kept abreast of the most recent HUD guidelines and court cases nationally regarding RESPA? How many RESPA cases and clients have they handled? What types of RESPA cases did they handle? Were the issues similar to yours? What were their results? Don’t be shy!

Question # 2

“What type of reputation does the attorney have?”

This is a tough one to figure out – so do your homework! Is the attorney primarily a transaction attorney or a litigator skilled in courtroom procedures if necessary? Your attorney must have the communication skills necessary to work with the other attorney as well as you. The other attorney, if more knowledgeable on RESPA can run over you and your lawyer. Remember that many cases are won or lost on the attorney’s knowledge and high ethical standards. Check the local Bar association for background. Get references and check them out thoroughly.

Question # 3

“What type of resources does the attorney have?”

No attorney can do everything well. Make sure that your attorney has the resources available to work your case efficiently. Does the attorney have a well established network of experts and fellow attorneys who can network with to add value and expertise to your problem? Some attorneys try to do it all and act as a one man band. Your attorney’s ego should not be larger than your case. A good attorney quickly involves others with higher degrees of expertise in areas where it is needed to represent you properly. The experts they use are a reflection of your new attorney.

Question # 4

“What about communications and follow up?”

The hallmark of a good attorney is the degree of communication he has with his clients. If you have to ask “What’s going on with my case?” then you have a problem. You don’t want to have these types of issues after choosing an attorney. Be blunt and ask how often you will be contacted and updated. How will you be contacted? Will the attorney just send you a form letter or use personal communication and contact? How do you prefer to be contacted? E-mail, phone calls, letters? Ask for it. “Are you too busy to handle me? Are you going to push me to a lower level staffer or junior attorney?” Clear communication and updates can ensure success and results.

Question # 5

“How do they charge?”

Some attorneys charge a flat fee, some charge a contingency based upon results and some charge hourly rates. The type of problem or case generally dictates the type of charge. There is an old saying, “Speed, Efficiency and Price – pick TWO!” The cheapest attorney may not be the best and the most expensive attorney may not be the best either! Make sure that you are not penny wise and dollar foolish. You are choosing an attorney for results. Make sure that your attorney has the financial incentive to work your case efficiently and successfully.

Online Attorney Directories – How to Evaluate a Legal Directory on the Internet

There are a number of websites that purport to have lawyers waiting to help. The reality is most of these websites are only attorney directories created by marketing teams who have no understanding of the law or, in many cases, who have no connection to a real lawyer or law firm.

These online attorney directories often end up in the top of the search engine results. The marketing teams help ensure this happens. This leaves you, the consumer who is looking for an attorney, with the obstacle of having to evaluate the online attorney directory. Here are some tips for evaluating online lawyer directories as you search for the right lawyer.

  • Determine whether the directory is a paid directory.
  • Paid directories are those that require lawyers to pay a fee to be listed in the directory. Paid directories usually have the most accurate contact and practice area information. Attorneys who pay to be included in the directory have an interest in making sure their information is correct.

    The downside to these directories is they may have very few attorney listings. This raises the question as to what types of attorneys pay to be listed on an online legal directory. Many successful attorneys do not have to incur this expense in order to carry out their trade. Other very good attorneys do incur this expense, but most of them do not do it regularly. For example, attorneys who are just starting out, are changing practice areas, or are relocating to another state may initially use these directories as they establish their new law practices. Is this the type of lawyer you want to hire? If so, the paid legal directory may be just what you are looking for.

  • Scrutinize free attorney directories.
  • Not all free online lawyer directories are bad. There are some very good ones. The best online legal directories usually have some direct involvement by attorneys themselves. For example, many free online attorney directories have forums where lawyers answer free legal questions. This allows the attorneys to get the word out about their practice and their expertise, while helping point folks in the right direction.

    Some other free online attorney directories focus on compiling contact information for lawyers. Most of these directories compile the information without any direction or input from the lawyers who are listed in the directory. These directories stand out as they usually just provide a listing of attorneys. These directories often scrape the information off of legitimate websites with the sole aim of generating advertising dollars for themselves.

    A recent trend is for these websites to have an attorney profile page that can be “claimed” by the attorney. The purpose here is to bring visitors to the directory using the search engines thereby generating advertising revenues for the directory. The directory may also hope the lawyer will notice the profile and “claim” it by entering their information. Very few attorneys actually claim profiles in this manner. Indeed, many of them have to contact legal directories and ask to have their names removed from the directory. Thus, you should avoid any attorney directory that indicates attorneys should “claim” their profile.

  • Avoid attorney rating sites.
  • Attorneys help clients with a multitude of legal issues and the facts of each case are different. The work of attorneys cannot be boiled down to a number or other rating. These rating systems often try to gauge an attorney by the number of years the attorney has been in practice. Older is not always better. Statistics show that most complaints filed with state bar associations are filed against attorneys who have practiced a number of years. These complaints relate to failing to provide quality client service to failing to keep abreast of the law. While it is somewhat rare to see the same complaints filed against younger attorneys, this has no bearing on how the attorney is likely to handle your particular legal matter. You should avoid attorney directories that rate attorneys in this manner.

  • Avoid the attorney directory that includes prices.
  • Attorneys are highly regulated. The attorney professionalism rules for every state say that attorneys must charge reasonable fees. What is reasonable for a particular matter is dependent upon a great number of factors. Unless you have provided all of this information to the attorney directory, it should not quote prices. This seems like common sense, but it needs to be said. Avoid attorney directories that include pricing information.

    These steps should help you screen the online attorney directories you find in the search engine results.

    Effective Tips For Choosing A Right Bankruptcy Attorney

    Nowadays we hear lots of people losing their jobs as unemployment is increasing a lot. We can never say that we will not face the situation as the unexpected happens. We should be ready with the solutions for the life’s most unexpected and complex financial problems.

    In case if you are unable to come out of your financial problems, then you can consider bankruptcy filing. But, you should be aware of how to choose an attorney. Choosing an experienced bankruptcy lawyer will make a big difference to your financial situation. Consult the attorney before making a decision as it will impact your financial situation. Search the internet and come to a decision by reviewing all the recommended lists of your state’s bankruptcy lawyers.

    Bankruptcy laws exist to give a solution to the person who is overburdened with debt and want to start freshly. These laws change frequently, in order to get most out of these constantly changing laws, a debtor needs a smart and experienced lawyer who deals entirely with bankruptcy. If you are in financial hardship and have a need of attorney, below are few things to take into account while choosing.

    Gather a list of bankruptcy attorneys: Call the local bar association, talk with your friends and neighbors who have already taken the help of bankruptcy attorneys for reference, browse the internet to find attorneys in your area. After collecting a list of bankruptcy attorneys, depending on what type of attorney you need – consumer, commercial, business or personal, choose the best bankruptcy attorney. Call the attorneys personally and talk to them, this will help you to narrow down your choices and helps you in choosing the best attorney.

    Consult the attorneys personally: Bankruptcy attorneys provide free consultation for first time, if the attorney charges the fee move on to the next attorney in the list, speak with attorney personally and find out how much experience he has and number of cases they have handled successfully. The bankruptcy attorneys should be able to provide detailed information about the bankruptcy from the scratch. If they don’t provide the information confidently for the questions you ask and look unclear, move on to the next attorney.

    Find out the amount you have to pay: Ask the attorney about the amount you have to pay fully from beginning to end. Depending on where you live and the type of debt you are in, the bankruptcy attorney will charge you $1,000 to $3,500. While choosing the bankruptcy attorney don’t always choose the cheapest one. Find out which attorney is more qualified and who has good experience. Some bankruptcy attorneys will ask you to pay the fee fully in advance before filing the case. Talk to the attorneys in advance and come to a conclusion.

    Options with the attorneys: Discuss all your options with the attorneys, make sure that the attorney you choose is ready to work for you, there are several attorneys who file your case without having interest to take up the case for quick fee. You can find out easily whether the attorney you chose is really interested to take up the case by interviewing the attorney.

    Ratings and reviews: Check out the ratings and reviews about the attorney from your friends and internet.

    Surely all the above steps will help you to find out good bankruptcy attorney; as a result you will hopefully get out of your debts.