Meeting Your Business And Personal Legal Needs
Your needs are our needs. Your goals are our goals. We strive to provide our clients the best representation we can, employing rigorous legal analysis and considerable experience to develop client relationships where we consistently deliver success. From common to complex legal issues we seek solutions that are creative, inventive, even counter-intuitive – but always practical.
Our areas of practice include:
Consumer Finance Litigation and Compliance
Construction Supplier Litigation
Real estate transactions – buying, selling, mortgages title issues, title insurance
Commercial and Consumer Collections
Commercial And Consumer Mortgage Foreclosures
Chapter 7 and 13 for Individuals and Small Businesses
Bankruptcy and creditors’ rights litigation
Focus and Determination
We are diligent and proactive, thorough and meticulous. We expends the time and resources necessary to fully address our clients’ needs. As a small office, we give our clients’ matters personal attention.
Collaboration and Litigation
We have the experience and judgment to employ negotiation, collaboration and strategic concession as needed, as well as the flexibility to abandon either friendly or hostile approaches to meet evolving needs.
Keeping You Informed
You are our partner and employer. Your understanding of what we are doing and why is critical to our success. We keep you informed so you can advise us on whether we are performing according to your goals, needs and wants. We are always here to answer questions.
Part of a Team
The Phillips & Angley culture of mutual support and collaboration means I and my clients can call on the additional wealth of experience and acumen of my colleagues.
Please call me at 617-367-8787 or email at email@example.com to learn more.
Phillips & Angley
1 Washington St. Suite 7A
Boston, MA 02108
YOUR GOALS ARE OUR GOALS. YOUR NEEDS ARE OUR NEEDS.
- Real Estate Law
- Construction Law
- Consumer Law
- Personal Injury
- Free Consultation
Initial consultation and discussion of your legal matter is free.
- Contingent Fees
- Rates, Retainers and Additional Information
I work almost exclusively on an hourly basis. For certain matters I accept flat fees. I accept contingent fees only after consultation and investigation.
- 1st Circuit
- English: Spoken, Written
- Board of Governors, Mill Corner COndominium Association
- Town of Acton Planning Board, Former Chairman, Former Member
- Suffolk University Law School
- J.D. (1986)
- Bowdoin College
- B.A. (1981)
- American Bar Association
- Real Estate Bar Association
- Massachusetts State Bar # 548180
- - Current
- Phillips & Angley
- Christopher S. Tolley, Esq.
- Who Is the Creditor? Who Is the Debt Collector? Labels vs. Inferences
30 July 2019
- Wire Fraud Scenario
11 July 2019
- Comparing The CFPB’s Proposed Call Restrictions With Massachusetts’
2 July 2019
- Consumer Protection and Financial Inclusion – Brian Johnson of the CFPB
18 June 2019
- Today Is the Day – For the FCC’s Robocall Vote
6 June 2019
- Review of the Proposed FDCPA Validation Notice Regulations
24 May 2019
- Credit Repair And Mass Credit Disputes
17 May 2019
- Massachusetts Mechanic’s Liens – When In Doubt, Record It
9 May 2019
- Thrills! Chills! New Debt Collection Regulations!
7 May 2019
- Q. If I am in the process of divorce, can a realtor sign me to a seller’s agreement if both of our names are on the deed?
- A: Not all owners of real property are required to sign a purchase and sale agreement. So long as your spouse signs the deed at the time of closing, you will have performed under the agreement. The problem for the buyer in this situation is that it cannot compel a sale because only one of two owners signed the purchase and sale agreement. The better practice would have been to require both spouses sign, especially in a divorce where the spouses may not agree on all the terms of the sale.
- Q. Can a buyer legally back out of a purchase and sale agreement if an error exists in the listing?
- A: If the listing said cable internet is available and cable internet is available, the listing is not in error. The listing does not say high speed internet access, so if that is what you need, the listing cannot form a basis for your getting out of the deal. Nevertheless, I suggest you approach the seller and explain the situation and ask for your deposit back. If the property has not been of the market for long, the seller may be willing to do this.
- Q. After receiving money from a house sale do i have to pay taxes on it in april or can i gift it to my wife?
- A: The answer to your questions requires more time and expertise than an online forum like this can provide. You really need to consult with a tax professional like a CPA on this. It will be well worth the money you spend in fees to them.
- Q. Can I cede a piece of my property to the town?
- A: You can give it to them, but they have to accept it. Call the town, like the town manager or the selectmen's office, and discuss it. You can also stop paying taxes on it. The town will eventually take it for nonpayment of taxes. However, it is possible you remain personally liable for the real estate taxes, I do not recall what the law says in that regard.
- Q. My mother died back in 2013. I get a bill for a loan monthly from a bank with the house that she left me as collateral.
- A: If you did not sign the promissory note to the bank you are not personally responsible for the payments. If the collateral document securing the loan is a mortgage, failure to make the payments will give the bank a right to foreclose the mortgage.
- Q. Hello, would you be able to tell me if a statement of condition has to be completed at every lease renewal in MA?
- A: Maybe it is required, maybe it isn't, but I can't think why you would not get one. If the tenant has damaged the unit or there is usual wear and tear you should have that documented to protect yourself. You don't want the tenant using the condition statement from the prior tenancy as evidence of the state of the unit, you want a statement showing the most current state of the unit.
- Q. I'm buying my In laws house and my husband will be on the title but not the loan, do I still need a title 5 inspection?
- A: The DEP website says: When you DON'T need an inspection Transfers between certain family members: Title 5 does not require a system inspection if the transfer is of residential real property, and is between the following relationships: Between current spouses; Between parents and their children; Between full siblings; and Where the property is held in a trust. See the "Guidance on Exemptions from Title 5 System Inspections" : https://www.mass.gov/files/documents/2017/09/26/t5famex_0.pdf Hope this helps.
- Q. Our drinking well is on a property that was sold. Does the person who bought the land need to drill us a new well?
- A: If the well was on your property and you sold the land, you should have made some provision for retaining an interest in that land, like an easement, so you can keep using the well. If you did not, there may be an issue with the current owner because if you have no easement, you may not have a right to keep the well on the land. If the property with your well was owned by a third party and sold to a third party, and you had an easement for the well, you should not have to have a new well dug because the easement most likely runs with the land and was not extinguished when the property was conveyed.
- Q. A house intrust is in major disrepair whose responsible for the repairs?
- A: The terms of the trust at issue spell out the trustee's duties and responsibilities. Trustees are generally considered responsible for upkeep and maintenance of the property, but are not usually required to expend personal funds to do so. Funds for upkeep and maintenance are usually expected to come from trust assets. If the trust at issue is a so-called nominee trust, the trustee is not permitted to act unless directed to do so by the beneficiary(ies), and the beneficiary(ies) may be the ones required to make funds available for upkeep and maintenance. I suggest you review a copy of the trust.