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Welcome to the Title Law Associates™ Underwriting Website Title Law Annotated

Members of the Legal  Community and Title Insurance Industry who wish to Maximize the Benefits of their Title Insurance Coverage can visit this site to obtain Endorsement Forms and other useful information for use in real estate transactions.  Links to real property and title insurance related sites are provided.
The publications link  comprises the whole of the "TLA Law of Titles" series as it applies to the "title insurance underwriting process".  The 6th edition  of the Title Insurance Underwriting Principles and Exception Language together with the new and revised education link, title claims litigation index link, principles link, endorsement link ,  reinsurance link, principle briefs and legal resources, reference library and all additionally provided supplementary links comprise the series.  This series  is a one of a kind resource designed for quick and easy reference. Anyone who is in need of understanding  the whole process should have the series in their library.

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The materials at this site, including the links to other Web sites, have been provided by Title Law Associates™ for information purposes only and do not constitute legal advice, the practice of law, or the endorsement of the content provided by any linked site. We are not engaged in rendering legal opinions or advice. While a great deal of care has been taken to provide accurate and current information regarding legal matters, the materials contained at this site do not include full legal analysis of the matters presented. Use of this site does not create or constitute, in any way, an attorney-client relationship between TLA and the viewer of this site. Nor does TLA assume any responsibility for any misinterpretation or misapplication of the information contained on this site, or of the content of any Web sites linked to this site. Viewers of this site should not accept any of the materials included herein as a substitute for legal advice. If specific legal advice is required viewers should seek the advice of professional legal counsel and consult with a lawyer or lawyers licensed to practice law in the jurisdiction in which the viewer is located.

Title Law Associates™ [TLA] is a small boutique firm that provides land title educational materials and consulting services to the title insurance industry and members of the real property bar. We specialize in land law, title examination, title clearance, title insurance underwriting, title insurance coverage issues, and policy coverage dispute resolution. Title Law Annotated® is an accredited domain-name registrant registered with Network Solutions. Its website is located at Both the domain-name and website are owned by Title Law Associates™ and protected under Title ^ § ^ of the United States Code Annotated. Title Law Associates™ is a registered trademark filed with and protected under a Certificate of Trademark Registration issued by the United States Patent and Trademark Office, Law Office 107, United States of America Supplemental Register, Registration No. 2,472,548, serial No. 76/010731 registered July 24, 2001.

Both Title Law Associates™ and Title Law Annotated® are owned and operated by William C. Hart. Mr. Hart was formerly the Home Office Chief Title Officer for several large national commercial title insurance companies. He has written and lectured extensively on real estate titles, title insurance principles, and authored several articles and books on the subjects of clearing real estate titles and conveyancing law. All information posted to and presented on the registrant’s website are the personal property of and proprietary work products prepared by William C. Hart. They also are protected under United States and international copyright law, intellectual property law and the federal Computer Fraud and Abuse Act (CFAA), 18 U.S.C. 1031 et seq., which provides a civil remedy for companies victimized by violation of the statute. The statute “. . . is primarily a statute imposing limits on access that enhances control by information providers.” (EF Cultural Travel B.V. v. Zefer Corp., 318 F.3d 58, 63 (1st Cir. 2003).

The Title Law Associates™ Title Law Annotated® national title law database and National Title Law Digest© permits the website user to review the registrants proprietary work products and information. Registrant explicitly restricts its users as how they may collect and make use of the information they retrieve from the website. Apart from any fair dealing for the purposes of private study, research, criticism or review as permitted under the Copyright Act of 1916, as thereafter supplemented and amended, and except for continuing legal education purposes as more particularly defined under recent copyright law, the domain name registrant and its owner prohibit website access via any deep-link, page scrape, robot, spider or other automatic device, program, algorithm or methodology resulting from or designed for cybersquatting or trade mark infringement with the intent to make use of, collect and distribute registrants website information without registrants knowledge and explicit permission. Likewise, scanning, photocopying or printing in whole or in part, or quoting at length from the TLA website without owners consent is also strictly prohibited and punishable by law. User access and use of information retrieved from the TLA website is restricted to individual single entry collection of registrant’s information and subject matter one subject at a time. User access and use of information gained through an automated software program or “robot” designed now or formerly to periodically sweep, download, collect and make unfettered use of such information for the users own benefit shall constitute a breach of the user access agreement, for which user shall be civilly, criminally and financially liable to the registrant under the doctrines of plagiarism, quantum meruit and unjust enrichment. TLA makes use of a website counter system identifying user access ID, date and time regarding use of this website. Any questions regarding use of this website should be directed to the domain name registrant and its owner by email to

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Title Law Associates™ LLP - 2000
This Revision 1/21/2004


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Elder Law
What is Elder Law?

(This file is in .pdf format and will require Acrobat Reader to view)

Ed. Note: Elder Law is a new and growing legal specialty. Although attorneys have been asked to prepare wills and trusts for many years, Elder Law attorneys focus on the older person’s quality of life rather than just on their money. An Elder Law attorney frequently helps the elderly client and/or their caregivers choose among various long-term care options based on the client’s goals, health and financial resources. For example, the attorney may develop a plan for the client which allows him or her to qualify for governmental benefits while still leaving an inheritance for heirs. Or, the attorney may develop a financial plan which maximizes the amount of a couple’s life savings that one spouse can retain after the other spouse has to enter a nursing home. There’s many traps for the unwary both within the law and from unscrupulous predators who target the elderly. But there’s also opportunities for the early planner if they are guided by someone who can navigate the maze of rules.

Michael J. Repak is an attorney who practices Elder Care Law. His bio. Appears below. Periodically he e-mails associates, clients and friends timely Elder Law related issues entitled News from The Law Offices of Michael J. Repak. He also publishes ElderLaw News. ElderLaw News is a free resource on Elder Law presented in a monthly e-newsletter format that brings you reports of legal developments and other trends of vital interest to seniors and their advocates. This newsletter is sponsored by The Law Offices of Michael J. Repak. If you would like to review Mr. Repak's August 2005 ElderLaw News click here. The current issue discusses how Proposed Medicaid Transfer Changes Will Hurt The Elderly An Attorney Tells Senate Committee; Bank Agrees to Refund Money to Elderly Buyers of Variable Annuities; BOOK REVIEW: The Failure of Long-Term Care . Mr. Repak may be reach by phone at (215) 968-3499.

To go to Mr. Repak's Elder Care web site click here on .


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