Default Services

Overview:

Riley Pope & Laney, LLC has earned the highest rating from Martindale Hubbell (AV rating) by delivering to its clients superior legal and government relations services. The Firm is focused on providing legal services in the areas of foreclosure filings and litigation, bankruptcy, commercial transactions, as well as real estate transactions and litigation. The Firm further offers full service state and federal governmental relations services.

Represented Client List:

American General Financial Services
Associates First Capital Mortgage
Bank of America
Blue Cross and Blue Shield of South Carolina
Branch Banking & Trust Company of South Carolina (BB&T)
Carolina Model Homes
CitiCorp Trust Bank, FSB
CitiFinancial, Inc.
CitiFinancial Mortgage, Inc.
Community Resource Bankshares
Custom Finance Services Corporation
Dell Inc.
Key Risk Management Services
Motorola, Inc.
National Bank of South Carolina (Synovus)
Pee Dee Investments
Resurgent Financial Services, LLC
Roper St. Francis Healthcare
SAP Public Services, Inc.
SCANA Corporation
Smith Barney, Inc.
South Carolina Bank and Trust
Tyson Foods
Wachovia Mortgage Corporation

Title Insurance Companies:

Fidelity National Title Insurance Company
First American Title Insurance Company
Old Republic National Title Insurance Company

Services Offered:

Our Firm is a cradle to grave vendor for contested as well as uncontested matters. The services we perform for our clients range from the drafting of default letters to the acquisition of collateral. We accept foreclosure and bankruptcy files from across the state of South Carolina. We file Replevin Actions (Claim and Delivery actions involving secured debt) and law suits on Notes to recover under unsecured transactions. Our Firm handles each lawsuit to its completion. We then provide eviction, full REO services, as well as any supplemental proceedings to obtain collateral. We are licensed title insurance agents for the following four national underwriters: First American, Fidelity, Investors, and Old Republic.

Weekly Status Reports:

Our law firm provides weekly status reports for a number of clients. Each report is customized to meet the client's needs. We work directly with our clients to devise each report.

Timeline of Actions:

Default Letters = 1 to 3 days

Replevin Action (Claim and Delivery) (secured transactions)-
Complaint thru Service = 3 to 35 days (publication) (average of 15 days)
Service thru Default = 35 days
Order of Default = 5 to 15 days after default
Hearing (if necessary) = 45 to 60 days after Answer (at the mercy of the Court)
(Matters less than $7500 can be filed in Magistrate's Court thus saving time and money)

Suit on Notes (unsecured transactions)-
Complaint thru Service = 3 to 35 days (publication) (average of 15 days)
Service thru Default = 35 days
Order of Default = 5 to 15 days after default
Hearing (if necessary) = 45 to 60 days after Answer (at the mercy of the Court)
(Matters less than $7500 can be filed in Magistrate's Court thus saving time and money)

Foreclosure-
Receipt thru Title Search = 10 days
Title Search thru Complaint = 5 to 10 days
Complaint thru Service = 3 to 35 days for publication (average 15 days)
Service thru Hearing = 60 to 80 days
Hearing thru Sale = 45 days

Bankruptcy-
Motion for Relief = 20 days
Proof of Claim = 3 days
Objection to Plan = 10 days
Deed in Lieu = 15 days

Eviction-
Receipt to Hearing/Set-Out = 45 to 60 days typical

REO Closing-
Contract to Closing = 20 to 30 days

Billing:

Our Firm is able to accommodate the billing requirements of our clients. Our flat rate billing arrangements enable clients to anticipate legal fees for each file. Hourly legal rates are sometimes necessary for contested matters and more complex issues. Our Firm ensures clients are well advised in advance of any legal fee issues.

Thank you for your inquiry. Please do not hesitate to contact T. Lowndes Pope (803.799.9993; lpope@rplfirm.com) with questions, comments, and billing inquiry.