Posts by Mayer & Haranas

Can we remain separated indefinitely or do we eventually have to divorce in MA?

Additional Information: I left my husband a couple of years ago and moved out of state (I’m in IL now but we were married in MA). When I moved, we just wanted time apart. It wasn’t a legal separation, just a verbal. We haven’t talked in a long time and I’m not on his health care or anything or vice versa, but I wondered if leaving the marriage constituted abandonment or something like that. ATTORNEY ANSWER: MA is a “no fault” divorce state, so the grounds for divorce are “irretrievable breakdown”.  If your husband still resides in MA and you
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How do I get my ex-wife off the deed to my house?

Additional Information: I have been divorced for 9 years and as part of the separation agreement, I got the house.  How do I get my ex-wife removed from my house deed? One of our lawyers was supposed to take care of this but it never happened. I have contacted my lawyer numerous times over the years to no avail. What do I need to do to get this taken care of? ATTORNEY ANSWER: You must have a new deed prepared which transfers title to you.  The deed will need to be signed by your former wife.  Once this is done,
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How do I go about filing for a divorce if I have no contact with my husband?

Additional Information: I separated from husband in 2008 & moved to Charlestown, MA from NY. How can I get divorce if we have no contact? We did not have any children from marriage but I do have a ten year old from previous. We parted in ill terms & I have no way of contacting this man as I do not know where he moved to after I left. How hard is it to get a divorce in the State of Mass? ATTORNEY ANSWER: You will need to file a Complaint for Divorce in the county in which you reside
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Important Notice About Your Closing (Buyers/Borrowers)

As you may know, our office represents your lender in matters relating to your request for a mortgage loan in order to purchase real estate. We have commenced an examination of the title and have ordered necessary information to complete the closing. When these matters are completed and reviewed by our staff we will notify you to arrange a time to close the loan. We will also advise you of any funds you may need to complete the transaction. You must bring CERTIFIED or BANK CASHIER’S CHECKS made payable to our firm for these funds. In addition, you must bring
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Representing The Interests Of The Buyer In Real Estate

If this is your first home purchase, or perhaps you haven’t purchased a new home in a while, the process may seem confusing. We hope that our office can make the entire purchase process easy and enjoyable for you. There are a few things to remember. First, understand that the lender’s closing attorney, and this includes our office if we are representing your new lender, represents the interests of the lender. Therefore, it is not the responsibility of lender’s counsel to advise you on your rights and obligations regarding your new home purchase. Because of this, we highly recommend that
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What You Should Know About Your Closing (Buyers)

INSURANCE: At the time of closing, please bring with you a homeowner Fire and Extended Coverage insurance policy or binder for such insurance either in an amount at least equal to the total of all new mortgages on the property or 100% of the replacement cost of all insurable buildings and other improvements on the land. IF YOU ARE GOING TO RELY ON THE 100% REPLACEMENT COST AMOUNT AS SUFFICIENT INSURANCE, THEN THE POLICY OR BINDER MUST STATE THAT 100% REPLACEMENT COST IS IN EFFECT. The insurance policy or binder must name all of the persons who will hold title
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Ways To Hold Title In Massachusetts

THE FOLLOWING INFORMATION IS INTENDED ONLY TO GIVE A BRIEF DESCRIPTION OF THE THREE COMMON WAYS OF HOLDING TITLE AND IS NOT PROVIDED FOR THE PURPOSE OF ADVISING YOU HOW TO TAKE TITLE. IF FURTHER INFORMATION IS DESIRED ABOUT CREDITORS’ RIGHTS AGAINST THE TITLE, ADVANTAGES AND DISADVANTAGES WITH RESPECT TO ESTATE PLANNING AND OTHER PRACTICALITIES, YOU SHOULD SEEK LEGAL COUNSEL FROM YOUR ATTORNEY OR RETAIN AN ATTORNEY FOR ADVICE IN THESE MATTERS. In order to properly prepare the mortgage documents we require information from you as to how you intend to take title to the real estate. The three most
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Our Certification Of Title To Buyers Of Real Estate

Our duties on behalf of the lender require that we examine the title to the premises. In addition, under the provisions of Massachusetts General Laws, Chapter 93, Section 70, we will also certify title to the premises you are buying. This statute states in part: "In connection with the granting of any loan or credit to be secured by a purchase money first mortgage on real estate improved with a dwelling designed to be occupied or to be occupied in whole or in part by the mortgagor, the mortgagor is required or agrees to pay or be responsible for any
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Closing Attorneys And The Closing Process – What You Should Know

Your application to your lender for a home mortgage loan leads you inevitably to the closing attorney’s office. You undoubtedly have questions as to what the role of the closing attorney is, what tasks the closing attorney will perform and what will take place at the closing. First, understand that the closing attorney represents the interests of the lender. If your loan is a standard secondary market type loan, the loan transaction and loan documentation are uniform throughout the state.
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