The Dangers of Falling Foul of the Planning System
The Dangers of Falling Foul of the Planning System

Arguably the most important part of the new build process is planning permission. The seriousness of failure to achieve and comply with planning permission cannot be over emphasised. This week’s news of a family being forced to have their home demolished serves as a stark reminder of the power wielded by the planning authorities. The Murray family contracted builders to construct their dream home in Glasgow over two years ago.But the finished house did not comply with the terms of the planning permission granted, and the local council have ordered that the house be demolished. Given that they paid £164,000 for the building plot and the construction cost £300,000, this is devastating news for the family. The council have stated that the house “differed considerably” from the approved plans (six feet higher, four feet wider and nine feet longer, with an unapproved balcony).Planning permission is granted subject to certain conditions. A breach of these conditions is not illegal. However, it will usually result in the council either allowing the owner the opportunity to seek retrospective permission, or the council may issue an enforcement notice. Failure to comply with an enforcement notice is a criminal offence.An enforcement notice can demand that you revert things to their original state, for example if you were to replace wood framed windows with UPVC windows without permission, this might be deemed unacceptable and you might be ordered to put wooden frames back in. In the worst case scenario, an enforcement notice could require the demolition of a new extension or even an entire building, as in the case of the Murrays. To make matters worse, you can also be issued with a fine – up to £20,000 in the magistrates court or unlimited in the crown court. The Murray family have been ordered to pay the demolition costs of £11,500. You have the right to appeal against an enforcement notice, but if you are unsuccessful you must comply with the notice.Some would say it is a crime to demand that a building be demolished, and it is undeniably wasteful of resources, but planners would argue that it needs to be made absolutely clear that people are not permitted to deviate from agreed specifications.Plans should always be discussed with the local planning authority and building control department before any work begins. Andrew Murray trusted his builder and architect to adhere to the terms of the planning permission granted, but they failed to do so and he is paying the price. The case demonstrates the importance of owner involvement in overseeing building projects. Alternatively, employ an architect or project manager and formally delegate responsibility through a contract.Whatever the moral rights and wrongs of the situation, the planning authorities have the law on their side, and they have shown they are not afraid to use it.

How to Get a Lease Extension
Easy methods to Get a Lease Extension

The query of how one can get a lease extension is one shrouded in thriller for many individuals, however extending the lease may very well be immensely helpful if solely individuals knew how one can provoke the method and account for the prices concerned. So this text breaks down the method step-by-step so as that you’ve got all the important thing particulars you have to make an knowledgeable resolution sooner or later.When you’ve got owned a property for greater than two years, with a lease longer than 21 years (lengthy lease), you might compel your landlord to grant you a lease extension. You’ll be able to ask your landlord to increase the lease at any time.Do you know this might offer you an extra 90 years on high of your lease? That is for a flat, while the determine for a home is 50 years as there are completely different guidelines for various kinds of property. After which, having been granted an extension, you’ll successfully must pay no floor hire. This peppercorn floor hire, to all intents and functions, means you pay nothing.Does this sound too good to be true? The place is the catch and what are the prices? You’ll be able to seek for a lease extension calculator on-line to provide you an estimate, however the prices depend upon a number of variables similar to the worth of the property, the size of the lease, and the bottom hire at the moment payable. As well as, the price of extending a lease could double as soon as marriage worth comes into drive i.e. if there are fewer than 80 years left on the lease. If a lease is approaching 80 years it’s subsequently very important that you just start the statutory course of instantly with the intention to keep away from the elevated price as a result of the valuation date freezes while you begin the authorized course of.You’ll require surveyors to supply a lease extension valuation and negotiate the premium to be paid with the owner’s consultant. A solicitor will then be wanted to draft a Part 42 declare discover which will probably be served on the owner. The owner could examine the property to create his personal valuation, then serve a counter provide. Phrases of the brand new lease are then negotiated by the solicitors and, within the case of a dispute, both occasion can enchantment to the First Tier Tribunal inside 6 months of the counter discover. Phrases are agreed, the brand new lease is signed and funds are transferred.

Purchasing Property In Hurghada - Legal Aspects Looking at the Laws and Regulations in Egypt
Buying Property In Hurghada – Authorized Features Trying on the Legal guidelines and Laws in Egypt

Freehold properties can be found in Hurghada and if shopping for from a brand new growth, usually costs are set with no room for negotiation. Nevertheless, if buying property in Hurghada from a resale, there’s usually room for negotiating on worth.A whole lot of Egyptian property house owners/ builders desire ‘money’ funds which is extra helpful to the customer because it usually means a reduction on the sale of round 5% and/or can embrace long term credit score preparations on repayments.Upon getting paid on your property in Hurghada in full and been validated or registered by signature of the validity course of, you’ll obtain a Inexperienced contract which is the contract given to you by the Egyptian courts. This solely applies with Freehold properties.When buying a property in Hurghada, patrons should know that there’s an additional charge referred to as ‘patrons fee’. That is a further cost made by the Agent dealing with the transaction in your behalf and is regular process. The charge can vary from between 1.5% to five% relying on the area.On deciding your buy on a property in Hurghada, you will want to begin the method of recruiting a very good Egyptian lawyer.Contracts with the Lawyer ought to at all times be in each English and Arabic and normally at this stage there’s a deposit required.The deeds to your property in Egypt are assigned to you on the land registry workplace and the price of this per property is most 2000,00 EGP, about 175 Sterling (As of June 2008).If you buy property in Hurghada you should have an entry visa as that is wanted to finish the residence process in Egypt to provide your lawyer energy of legal professional to go to court docket in your behalf and register your property. You could additionally apply for residency Entry Visa that are normally legitimate for one 12 months.When buying property in Hurghada,there are two procedures, firstly a full registration and the second to decide on the Signature of validity course of. Registration of a property provides you most safety beneath Egyptian regulation.Nevertheless, even within the areas of Egypt the place foreigners can buy freehold, signature of validity can be utilized as an alternative of registration.While all of this data could seem arduous to digest, it actually is far less complicated than it sounds. If it was a troublesome course of, then there wouldn’t be such an enormous funding right here in Actual Property Hurghada from overseas traders, which is rising 12 months by 12 months on a big scale.

5 Steps to Legally File a Quick Claim Deed
5 Steps to Legally File a Quick Claim Deed

Suppose for some reason you had to transfer your property; in a divorce, for a gift, to satisfy a tax lien, or just because you didn’t want it anymore. Then you would need to file a Quick Claim Deed or “Quit Claim” deed.Here’s how it works:
Get an appropriate form according to your state. You should actually ask for a “Quick Claim Deed Form” or a Quitclaim Deed Form to avoid confusion.
Fill out the names of the people you want to transfer the property to.
Put a legal description of the property on the form. Legal descriptions can be obtained from the property appraiser’s office.
Sign and get the form notarized. Some states do not require a notarized form, but may require a certain number of witnesses to sign the form.
Record the deed at your county recording office. You may have to pay for Documentary Stamps and Recording Fees.
There are no such promises in a Quick Claim. The real reason for transferring property in a Quitclaim is to avoid liabilities, by conveying or transferring rights to property. With this kind of transfer each partner in the agreement should understand they are getting what they see, and if there are problems these difficulties belong to the current person who owns the property.Typically this document is used when a property isn’t sold, as when the owner dies and bequeaths it, when a spouse is added to the title, or when a former spouse’s name is removed from the title. It says that “I am transferring what I own to you.” When considering this type of action a lawyer and insurance contracts should be involved in the procedure to protect all involved.Mortgages can’t be transferred via this agreement because they are legal obligations. The responsibility for the mortgage can be handed over to someone else through other legal means, but it can’t be unilaterally transferred through the Quick Claim process.You can stay in or on the property you Quitclaim by filing for a “Life Estate,” where you can retain interest in the property until you die, and then the property would immediately be transferred to the person on the other end of the claim.This legal agreement can only be reversed by the having the grantee claim the property back to the original owner.As with any transaction involving property it is always a good idea to obtain legal counsel before filing a Quick Claim deed, and that counsel should be able to guide you through the process and protect everyone’s rights through the transfer.

What Can a Real Estate Attorney Do to Prevent Home Foreclosure?
What Can a Actual Property Lawyer Do to Stop Dwelling Foreclosures?

Nobody needs to cope with a foreclosures, particularly after months of struggling to pay your mortgage on time as a result of misplaced wages. Because the house owner, you’ll be notified of your lender’s intent to foreclose on your house. The lender can go about getting into the foreclosures course of in one among two methods: judicial foreclosures or nonjudicial foreclosures.In a judicial foreclosures, after the lender sends a letter of intent, and extra mortgage funds are nonetheless not obtained, the foreclosures course of can start. This course of can take a number of months.A nonjudicial foreclosures, however, doesn’t require the lender to file a lawsuit. This may be dearer to cope with as a result of it requires you, the house owner, to file your personal lawsuit in opposition to the lender to guard your curiosity. Both method, it’s best to rent an skilled actual property legal professional to stroll you thru the foreclosures course of.An actual property legal professional is well-versed in foreclosures regulation and may clarify all the potential options to delay or forestall you from dropping your house. Opposite to well-liked perception, lenders usually are not desirous to throw you out of your house. They’d quite not need to cope with the actual property market by placing your house up on the market.Subsequently, an actual property legal professional is a talented negotiator and may ship a letter to the lender in your behalf. In return, lenders are extra susceptible to responding in a well timed method if a lawyer is concerned. The short response may also be contributed to the truth that actual property attorneys have established relationships inside most loss mitigation departments of lenders, and so they know precisely who to contact.A few of the potential options that an actual property legal professional can negotiate in your behalf embrace reinstatement, mortgage modification, refinance, brief sale, deed in lieu, and chapter.To reinstate your mortgage, you will want to have the ability to repay your entire missed funds, plus any curiosity charges acquired after you obtained the discover. Completely different states supply numerous grace durations in which you’ll be able to legally reinstate your mortgage. If you happen to can’t make up funds throughout that grace interval, then mortgage modification might aid you. Mortgage modification is when the unique settlement within the mortgage is modified, usually as a result of a house owner’s lack of ability to pay, and debt rescheduling is negotiated.Nonetheless, when you’ve got no plans to stay in your house, then a brief sale is the choice that the majority owners have a tendency to decide on. Together with a lawyer, you’ll want to work with a realtor that may get your house offered comparatively quick. If a brief sale fails to work, you will have the choice of deed in lieu or chapter.Deed in lieu happens whenever you switch all rights of your property to the lender, and chapter wipes out some or all debt. Nonetheless, this significantly impacts your credit standing. In any case, a lawyer will be capable of inform you which choices are finest suited to your distinctive state of affairs.

Seller May Pay Dearly To Seller's Own Broker For Non-Diclosure
Vendor Could Pay Dearly To Vendor’s Personal Dealer For Non-Diclosure

A current unpublished appellate court docket choice reveals how expensive it may be for a vendor to willfully fail to speak in confidence to the customer materials defects in a residence. On this case, not solely did the Sellers find yourself with a judgment towards them for tens of millions of {dollars} in favor of the Purchaser, however the Court docket additionally ordered the Sellers to pay Sellers’ dealer over $300,000 as reimbursement for attorneys charges.This litigation arose out of the sale of a $6.5 million residence situated within the Pacific Palisades space of Los Angeles. Sellers bought a house in 2004 and have been advised earlier than they bought the house that the home contained lively water leaks. Actually, Vendor skilled water leaks whereas they resided on the residence for a couple of years. Sellers employed Dealer and finally offered the home to Purchaser utilizing the usual residential buy settlement utilized by brokers. This settlement was created by the California Affiliation of Realtors (C.A.R.), the commerce affiliation for California actual property brokers.Pursuant to the settlement, in addition to required below California legislation, the Sellers have been obligated to “disclose known material facts and defects affecting the Property” to the Purchaser. The Sellers didn’t disclose the water leaks to their Dealer or to the Purchaser and didn’t present the experiences the Sellers had obtained previous to their buy of the property.After he purchased the house, the Purchaser skilled a number of leaks and sued the Sellers for breach of contract, negligence per se, intentional misrepresentation, negligent misrepresentation, concealment, rescission, and negligence for Sellers’ failure to reveal the water leaks. The Sellers denied any wrongdoing and filed a cross-complaint towards their Dealer for equitable and implied contractual indemnity, alleging Dealer was negligent and breached its fiduciary duties to the Sellers in reference to the sale of their residence to Purchaser.In accordance with court docket recordsdata, the Sellers claimed that they’d disclosed water defects. Within the part of the Property Questionnaire pertaining to “Water Related and Mold Issues” the Sellers indicated “yes” and individually itemized the next recognized points: (I) “small cracks and bubbles in paint at ceiling in home have been repaired, (ii) sealed and repaired outside travertine walls,” (iii) “proper waterproof caulking has been applied and water stains might still be visible under decks,” (iv) “skylight removed and properly resealed, with necessary drywall replaced and painted,” and (v) “balconies off bedrooms-tile has been re-grouted with waterproof grout.” Noticeably absent from these disclosures is any particular mentions of water leaks. Whereas a few of these info recommend previous water intrusion and water injury, this merely was not adequate or the identical as figuring out particular, lively leaks.A jury discovered that the Sellers dedicated fraud towards the Purchaser and awarded the Purchaser damages together with punitive damages. The jury additionally discovered that Dealer was not answerable for any declare asserted by the Sellers towards their dealer. The Dealer then requested the Court docket to award Dealer over $360,000 in lawyer’s charges it had incurred in defending itself towards the Sellers’ cross-complaint. The acquisition settlement contained the next language relating to indemnity:”Seller further agrees to indemnify, defend and hold Broker harmless from all claims, disputes, litigation, judgments, and attorney fees arising from any incorrect information supplied by Seller, or from any material facts that Seller knows but fails to disclose.”Pursuant to California Civil Code part 2772, “Indemnity” is a contract by which one engages to avoid wasting one other from a authorized consequence of the conduct of one of many events, or of another individual. The Vendor argued that the contract language meant that the indemnity was restricted to damages Dealer incurred to a 3rd occasion. Vendor asserted that on this case Dealer was not liable to a 3rd occasion however was as a substitute in a direct dispute with the Vendor. It’s noteworthy that If the indemnity is towards claims, calls for, damages, or prices, then the indemnified individual isn’t entitled to get well with out cost pursuant to California Civil Code sections 2778(1) & (2).The Court docket held that the language holding Dealer innocent from “all claims, disputes, litigation, judgments, and attorney fees arising from any incorrect information supplied by Seller, or from any material facts that Seller knows but fails to disclose” was broad sufficient to cowl the attorneys’ charges incurred in litigation towards the Sellers. The Court docket acknowledged that it was the expectation of the events that if Dealer was drawn into litigation on account of the Sellers’ misrepresentations, Dealer can be reimbursed for its prices.This case didn’t contain a state of affairs during which it was questionable whether or not the defects have been materials. Clearly water leaks and water intrusion usually is a cloth undeniable fact that should be disclosed. The jury primarily discovered that the Sellers knew the defects have been vital and that Vendor’s deliberately hid the defects. A assessment of the above-mentioned disclosures means that the Vendor tried to bounce across the subject of water injury by mentioning signs of water injury (e.g., stains, paint bubbles) and their remediation of potential water issues (e.g., sealing varied areas) with out really mentioning current leaks.This case is one other good case illustrating the unfavourable ramifications of deliberate non-disclosure.

The Process of Claiming and Attaching a Mechanic's and Materialman's Lien in Hawaii
The Process of Claiming and Attaching a Mechanic’s and Materialman’s Lien in Hawaii

For those artisan(s) and materialman(s) who furnish labor or material in the improvement of Hawaii real property and do not get paid for their services and materials, Hawaii law allows such persons to have the opportunity to obtain a lien upon the improvement as well as upon the interest of the owner of the improvement in the real property upon which the improvement is situated. Hawaii’s “Mechanic’s and Materialman’s Lien” statute provides for such remedy.Any person claiming a mechanic’s or materialman’s lien is required to apply to the circuit court where the property is situated. Such person must submit an “Application For a Lien” together with a written “Notice of Lien”. The Application For a Lien must contain the following information: (1) the amount of the claim; (2) the labor or material furnished; (3) a sufficient description of the property; (4) the names of the parties who contracted for the improvement; (5) the name of the general contractor; (6) names of the owners of the property and any person with an interest therein; and (7) any other matter necessary to a clear understanding of the claim. The Notice of Lien must set forth the alleged facts by virtue of which the person claims a lien.The Application and Notice can be filed no later than forty-five days after the “date of completion” of the improvement against which it is filed. “Date of completion” means the time when the owner or general contractor for the improvement completes the publication of a notice that the improvement has been completed or has been abandoned and an affidavit of the publication, together with a copy of the notice has been filed in the office of the clerk of the circuit court where the property involved is situated. If a valid notice of completion is not published and filed within one (1) year after the actual completion or abandonment of the improvement the date of completion shall be deemed to be one year after actual completion or abandonment.The Application and Notice must be served upon the owner of the property and any person with an interest therein and upon the party or parties who contracted for the improvements if other than the owner of the property or any person with an interest therein. The Application and Notice is required to be returnable not less than three nor more than ten days after service.If both parties have been unable to reach a compromise prior to the return day hearing, the court will schedule a “probable cause” hearing in which the court will determine whether probable cause exists to permit the lien to attach to the property. Probable cause for the attachment of a lien is shown by the existence of actual or visible improvements to the subject property. Any person to whom notice is required has the opportunity to offer testimony and documentary evidence at the probable cause hearing on the issue of whether probable cause exists to permit the lien to attach. The lien shall not attach to the property until the court finds probable cause exists and so orders.If the court finds that a probable cause exists to permit the lien to attach to the property, the court will issue an “Order Directing Lien to Attach”. The lien expires three months after the entry of the Order Directing Lien to Attach unless proceedings are commenced within that time to collect the amount due thereon by enforcing the same.As you can see the process of claiming and attaching a mechanic’s and materialman’s lien in Hawaii is complex, especially if the lien will be contested and a probable cause hearing is required. Therefore, you should seek consultation with a Hawaii attorney experienced in mechanic’s and materialman’s lien in Hawaii.

When Will You Need a Real Estate Lawyer?
When Will You Want a Actual Property Lawyer?

Whether or not you’re shopping for a brand new residence or attempting to take care of a foreclosures, you might end up needing authorized help. Find out how an actual property lawyer can help you in some ways so you’ll be able to efficiently navigate your monetary trials.Shopping for a HouseA actual property lawyer is required every time points come up concerning the acquisition of a house. Frequent points embody:- Shopping for a foreclosed residence

– Again taxes owed by the earlier proprietor

– Points with contracts

– Signing paperwork

– Negotiating pricesYou do not wish to be caught with the duty for a earlier proprietor’s again taxes, or to have your agreed-upon contract go bitter. In case you are buying a foreclosed residence, you wish to be sure to meet the entire deadlines, in order that the financial institution or monetary establishment holding the property doesn’t cancel your buy. Having an lawyer by your facet might help be sure that all the pieces runs easily when you find yourself shopping for a brand new home, notably when surprising monetary points come up. They might help you with paperwork, assist with any court docket circumstances that will come up, and shield you all through the home-buying course of.Coping with Your Personal ForeclosureA home is foreclosed when the house owner fails to make a number of mortgage funds in a row. The financial institution or monetary establishment that holds the title to your property will do all the pieces they’ll to recoup their mortgage, which may depart you, as a financially struggling house owner, with no place to stay. This may be horrifying and irritating to take care of by yourself, which is why an actual property lawyer might be so useful.An lawyer can evaluate your previous funds and credit score duty, and speak to your financial institution about figuring out a cost plan that might finish a foreclosures that is already in progress. If a foreclosures is already underway, they might help you determine a time-frame through which to vacate your own home, providing you with an opportunity to discover a new place to stay. They will additionally assist you discover new properties to buy, even when you’ve got a adverse mark in your credit score report attributable to a foreclosures.When to Search HelpAnytime you expertise monetary points or really feel overwhelmed buying or promoting a property, you need to contact an actual property lawyer for help. They will be sure that all authorized rules are adopted when processing cash, signing paperwork, and assembly deadlines. With an lawyer at your facet, you should have the safety you want.One of these authorized help might be helpful to you in quite a lot of methods. If you end up with financial or authorized bother whereas attempting to guard your present residence or shopping for a brand new place, you should utilize an lawyer to get the help you want. Contact an actual property lawyer as quickly as potential to handle any future frustrations that may come your approach.

Real Estate Closing Attorney
Actual Property Closing Legal professional

A closing legal professional could be outlined as an actual property legal professional specializing within the closing of property transactions. He’s accountable for the examination of the property title and resolving all points that might come up earlier than a property shut. The legal professional additionally critiques and explains all paperwork to be signed so they’re correct and nicely understood to the events concerned within the course of. Actual property closing can get sophisticated and thorough regulation data is required therefore the necessity to have an legal professional deal with the method for you.The Duties of Your Closing Lawyer An skilled and certified actual property closing lawyer understands all issues appertaining to actual property together with mortgage necessities and procedures. He’ll due to this fact be ready to attach you with the very best lenders relying in your wants.It’s the major operate of the lawyer to make sure that the nice title of the property is transferred. By good title it means real and legitimate title and this requires a title analysis the place he examines plats, probate data, surveys amongst different authorized paperwork.In case the title has defects, it’s upon the lawyer to aim to have the errors corrected to place every part to ensure that you. He ought to contact concerned events to kind issues that develop in the course of the examination in order that there aren’t any delays within the scheduled property time limit.Retaining your legal professional could be of nice assist since that you’ve somebody to show to for complicated authorized issues and when complicated monetary issues come up with the property. The legal professionals are useful each for consumers and sellers and take the duty of constructing certain that every part goes easily all through the closing course of.The lawyer ensures that every one closing formalities are approached in probably the most skilled means guaranteeing that nothing is left to likelihood risking future issues after the shut. He examines all paperwork, contracts and agreements between consumers and sellers for the very best pursuits of the consumer.Hiring a Closing Legal professional There are such a lot of actual property companies in the present day and possibly the very first thing it’s best to do to get the very best closing legal professional is to seek out probably the most dependable companies in your locality. Take a look at the fame of the agency and decide the potential it has in assembly your wants.Contemplating that closing is a course of that might be dealt with by a person lawyer, just be sure you examine the workforce that the corporate is made up of. Take a look at the person lawyer {qualifications} and competence so you’ll be able to have a say on the legal professional the agency selects to your wants or the one you get to decide on for the companies you want.Additionally necessary to examine is the expertise that the closing legal professional has and the variety of profitable closings he has dealt with prior to now. Expertise are additionally necessary and it’s best to ask questions concerning points that might come up in the course of the closing and what steps the lawyer will take to place issues to ensure that you.

Two Reasons Why You Should Hire A Real Estate Attorney
Two Reasons Why You Should Hire A Real Estate Attorney

Whether you are buying or selling a house, land, apartment building, or office space, the hoops and hurdles you have to deal with can be overwhelming. For basic transactions, a licensed agent can take care of the paperwork and any other issues that might arise. Yet for more complex deals and even some of the larger transactions, it is definitely worth the time and money to hire a real estate attorney. Lawyers who specialize in this field can offer their customers a level of service and security that an agent simply cannot match. Here are two of the biggest reasons why you should hire a real estate lawyer.To Uncover Any Unknown ProblemsWhen you are in the process of buying or selling a property, there are basic questions that most individuals know to ask. Are there any dangerous or toxic materials such as asbestos present? When was the last time the plumbing, electric wiring, and air conditioning systems were replaced? Is there termite damage? These are all physical issues, and a good agent and/or contractor can help you with the basics.But what about more complex issues? Is the seller the true homeowner, or do they have a long lost sibling who actually owns half? Border disputes, mineral or oil rights, and tax issues are all potential problem areas that a real estate attorney can explore and protect you against. Sellers incur fewer risks, yet it is still a good idea to retain counsel. If you are reluctantly selling a family home, for example, you might want to know if the buyer is a real estate developer who plans to knock down your house to build an apartment complex, as this could alter your decision to sell.If You Are Buying For Commercial ReasonsBuying a property for your own personal use carries a large number of potential risks. But buying one for commercial use, such as a rental or commercial space, carries many, many more. One of the major issues for anyone dealing with commercial property is understanding complicated zoning laws. You can be zoned for a restaurant that sells to-go food, but not for sit-down customers. In this case, you can have sit-down customers, but you can’t serve alcohol. Maybe you are zoned to operate as a bar, but that stage in the back is useless because you are not zoned for live music. If you plan to rent out a home or apartment, you will need help drawing up a legally binding lease. If you have bad tenants, you will help navigating the maze of evictions, property damage by renters, and any other possible issues. A real estate attorney can help guide you through all of this and more.Real estate attorneys can save you from the stress and anxiety that inevitably comes with large transactions. They can help uncover any potential problems with your buyers or sellers, and even with the property itself. They can also help you handle any issues involved with the commercial usage of your new property. Hiring a real estate attorney can save you time and money.