Ignorance of the law is not a defense.

I thought that service was more of a defensive approach.You should call all your banks, and credit card companies, like John said.

The only way an insurance company can get out of paying for defense is to pay out the policy limit.

I am not an attorney and would recommend you hire one to properly file the lien as in most jurisdictions they need to be filed within a certain amount of time and also if the paperwork is not filled out 100% correctly and it ends up in court the defense will claim the lien is not valid (since paperwork is incorrect).

You need to make that offer and confer with your agent to make sure you can sell that thing at 500k+, and what it needs to get to that value.

Note that most lenders will add back non-cash charges like depreciation, but you have to have a defensible NI (or even EBITD) for any partner you are planning on bringing on board.

Folks from our company are attending the Northeast Conference of Mortgage Brokers and Professionals in Atlantic City, NJ, tomorrow 10/11 at Harrah's.   

In my defense, I've been building my first bit of credit so that I can utilize leverage more effectively.

But beyond the defensiveness and faulty logic-- it's the THREATS that I find bothersome.

I've got a 4 day real estate conference (Brandon Broadwater's Higher Laws in St George UT coming up and then onto Notes.