Old Republic National Title Insurance Company Continuing Educational Seminar Was a Success!

We had a great time at last week’s Old Republic seminar in Maitland, Florida! Not only did we meet a lot of awesome and interesting title professionals from that region, but we’re happy to report that many of them have decided to utilize Premier Lien Research’s services. Title agents and paralegals alike were anxious to pass the savings to their clients and minimize their clients’ and underwriters risk. One lucky attendee even won a mini-tablet courtesy of Premier Lien Research!

We can’t wait for the next regional seminar/conference to meet even more people and spread the word about PLR’s valuable services. More pictures from the seminar can be seen on Premier Lien Research’s Facebook page found HERE.



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Filed under Florida Real estate, Uncategorized

Gearing up for the Old Republic National Title Insurance Company Continuing Educational Seminar

We are very excited for Premier Lien Research’s debut as a sponsoring vendor at the Old Republic National Title Insurance Company continuing education seminar in Maitland, FL on Thursday. Not only do we have a beautiful 8-foot backdrop display, but we’ll be sharing information about PLR’s services and the incredible value we offer. We’ll have some sweet treats to share and are raffling a mini-tablet to one lucky winner! How awesome is that?

Here’s the lineup of the lectures offered on Thursday:

08:30 – 09:00 a.m. Registration

09:00 –  09:15 a.m. Opening Remarks
Robin Cardella, V.P. /
Mid-FL Operations Manager

09:15 –  10:30 a.m.
National Perspective 2012   
Anne L. Anastasi, CLTP,
Pres. of Troon Mgmt. &
FLTA’s Immediate Past Pres.
CE#    79912 (1 Credit Hour)
CLER# 57862 (1 Credit Hour)

10:45 – 11:45 a.m. Dollars & Sense – Your Ethical
& Fiduciary Duties in Closing & Disbursing Escrow Funds

John H. Gonzalez, CLC
Agency Training Coordinator,
Old Republic Nat’l Title
CE#    79647 (1 Ethics Hour)
CLER# 48472 (1 Ethics Hour)
11:45 – 12:30 p.m.

12:30 – 01:30 p.m.


Power’s of Attorney –
the Perils and Pitfalls
Wilhelmina Kightlinger, Esq.
V.P. & FL State Counsel,
Old Republic Nat’l Title
CE#     75724 (1 Credit Hour)
CLER#  31331 (1 Credit Hour)

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Filed under Florida Real estate

Prison Time for a Junky Yard: Too Severe?

This week a Brevard County man was sent to state prison for a sentence of 1 year and 1 day for failing to remove and clear out what authorities call a junkyard, but what Robert Biel calls home. Biel apparently has been in violation of county codes for decades for storing his “tools of the trade” in his yard. The County, no doubt frustrated that its measures over the years to get the property cleaned up have failed, charged Biel with illegal dumping which landed him in the county lock-up for a few weeks. Português: Uma cela moderna em Brecksville Pol...He was released on probation which was conditioned on cleaning his yard. He didn’t, and thereby violated his probation…and now sits Biel in prison. Check out the story here: man-gets-prison-time-for-junky-yard

What do you think: Is state prison too harsh of a punishment for displaying your mess to the public? What if that mess was in your neighborhood?

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Filed under Code Violations, In the Courts

Top 10 Code Violations; Florida Named as #1 State for Violations

Field Asset Services (FAS), a Texas based property preservation, REO maintenance and repair services company released its list of Top 10 Types of Code Violations. The list is based on FAS’s research compiled from its work with 30 mortgage and asset management clients nationwide. Here’s the list:

"No". House in Mid-City New Orleans,...

By Editor B / Bart Everson via Wikimedia Commons

Top 10 Types of Code Violations
1.    High grass and weeds
2.    Nuisance such as abandoned vehicles and trash at the curb.
3.    Graffiti
4.    Open or vacant structures
5.    Junk, trash, and debris
6.    Minimum housing standards or habitability usually pertaining to the condition of the property.
7.    Substandard structure such as dilapidated sheds or detached garages.
8.    Unmaintained or unsecured swimming pools
9.    Dead trees and landscaping
10.  Vacant property registration

Said Dale McPherson, Chief Executive Officer, Field Asset Services about code violations:

Cities and local municipalities across the nation are becoming more vigilant towards issuing code violations to reduce blight and improve neighborhood conditions. With foreclosure timelines reaching nearly 21 months, these fines can add up over time, even exceeding the value of the property itself in some cases.

According to FAS data, Florida surpasses all other states in the amount of these violations. For example, FAS once encountered a property in Coral Springs, Florida that, since 2008, had violation citations accruing for an overgrown lawn, roof discoloration, a stagnant pool, and poor exterior maintenance. At at rate of $125/day for 927 days plus additional penalties, the property owed the City of Coral Springs $434,654.50.

While FAS worked to remedy the code violations and lower the fine amount for the Coral Springs home, hundreds of thousands of properties in Florida are without the benefit of FAS’ services and the daily accruing code violation fees for those properties are unrecorded in official records. Only by performing an unrecorded lien search can a prospective owner, lender, asset manager, real estate agent, attorney, or title/closing company know the true value of the subject property. Premier Lien Research, LLC is here to assist you! For more information please visit PremierLienResearch.com.

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Filed under Buyers, Code Violations, Florida Real estate, Foreclosures, Nightmare situations

Proposed Bill Tries to Accelerate Foreclosure Cases

Florida courts are still backlogged with foreclosure cases. They have been for the past couple of years now. In a new attempt to speed foreclosures through the judicial system, the House of Representatives introduced HB 213. Of particular note for lien holders of the subject property, the bill would provide a mechanism to accelerate the foreclosure process. If passed, it would read:

702.10 Order to show cause; entry of final judgment of foreclosure; payment during foreclosure.
(1) Any lienholder may request an order to show cause for the entry of final judgment in a foreclosure action. For purposes of this section, the term “lienholder” includes the plaintiff and any defendant to the action who holds a lien encumbering the property or any defendant who, by virtue of its status as a condominium association, cooperative association, or homeowners’ association, may file a lien against the real property subject to foreclosure. Upon filing, the court shall immediately review the request and the court file in chambers and without a hearing. If, upon examination of the court file the court finds that the complaint  is verified, complies with s. 702.12, and alleges a cause of action to foreclose on real property, the court shall promptly issue an order directed to the other parties named in the action to show cause why a final judgment of foreclosure should not be entered.

According to the bill’s definition, “lienholders” include condo and homeowners’ associations (they have lien rights for assessments and fees due on properties part of the associations) and municipalities (they have lien rights for unpaid utilities, assessments, improvements, etc.). Click here to read about the source of their lien power.

HB 213 would allow lienors to ask the foreclosure judge for an Order to Show Cause, which if granted would essentially force the parties to explain why the the court should not enter a final judgment of foreclosure disposing of the case immediately.

Not only will the parties be able to move the case forward via an Order to Show Cause motion, but they will also be able to 1) move to default co-defendants who never responded to the complaint and 2) request a case management conference where a timetable of dates would be entered to keep the case on track.

I’ve personally experienced cases where foreclosing plaintiff-banks did absolutely nothing to move their cases forward, leaving my former clients, like HOAs, in limbo with unpaid assessments growing by the day. It would have been empowering to take charge of those cases and force them to a disposition. If HB213 passes, that can be done.

Stay tuned for more info on HB213 and what it means for new owners of abandoned properties.

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Filed under Associations, Foreclosures, In the Courts, Legislation

Florida Supreme Court considers whether cities’ liens are superior to prior recorded mortgages.

Most Florida cities have ordinances that give them powers to assess liens on property for utility balances, code violations, etc. Often included in these ordinances is language giving the liens superiority over other liens, titles or claims against the property and giving the cities foreclosure power. English: Florida Supreme Court Building

The problem with these ordinances is that they may (or may not) directly conflict with Florida’s Recording Act (695.11 F.S.). The Recording Act determines the “priority” of interest in real property based on notice of competing interests. City ordinances that give their liens super-priority (regardless of notice) ignore 695.11. At least that is what is being argued by respondent, Wells Fargo, and the Florida Land Title Assn (FLTA) in its amicus brief before the Florida Supreme Court in Wells Fargo Bank, N.A. v. City of Palm Bay.

The certified question for the state’s highest court to answer is:

Whether, under Article VIII, Section 2(b), Florida Constitution, section 166.021, Florida Statutes and Chapter 162, Florida Statutes, a municipality has the authority to enact an ordinance stating that its code enforcement liens, created pursuant to a code enforcement board order and recorded in the public records of the applicable county, shall be superior in dignity to prior recorded mortgages?

The Court will hear oral argument at 9:00 a.m., Wednesday, April 11, 2012. Read City of Palm Bay’s brief here. Read Wells Fargo’s brief here. Read FLTA’s Amicus brief here.


Filed under In the Courts, Lien Laws

Premier Lien Research’s Website Is Under Construction!

Ironworkers surprised by photographer, while e...You may be wondering why you’ve landed on this page. Not to worry! Premier Lien Research is updating its website and getting new digs. Until the new website is up and running, you’ve been redirected to Premier Lien Research’s blog. Here, you can still submit your research orders (use the Orders tab or click here) and get all the information you may need about our valuable services. And while you’re here, why not read some of our recent blog posts?

Enjoy the rest of your Superbowl Weekend! Leave a comment and tell us who you’re rooting for!

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Filed under Florida Real estate