Property Debt Research is The Municipal Lien Search Company To learn more about our company and our services meet us at the National Settlement Services Summit (NS3) in Charlotte, NC Monday, June 6 – Wednesday, June 8th.  Find us at booth # 47.

Property Debt Research, The Municipal Lien Search Company, offers Municipal Lien Searches and HOA/COA Estoppel letters in Florida and Nationwide! Over 20 yrs. experience. All research is 100% Guaranteed and backed by our $1 million E&O insurance policy.

Josh, Property Debt Research, Account ExecutiveProperty Debt Research is pleased to announce we have appointed Joshua Melendez as Account Executive. Due to continued expansive growth we are increasing our sales force to reach out to new and existing customers.

Melendez has over 15 years of sales experience and significant training and experience in municipal lien research. His responsibilities will include increasing the PDR customer base and providing excellent customer service to existing clients.

Property Debt Research serves title companies, financial institutions, real estate attorneys, and real estate investors in Florida and Nationwide.  PDR provides Municipal Lien Search reports and HOA Estoppel research with a 100% Guarantee and a $1 million E&O insurance policy.

Joshua Melendez press release.

PDR FLTA ScholarshipsProperty Debt Research is pleased and proud to award two Scholarships through the Florida Land Title Association (FLTA) Scholarship program. The scholarships are awarded based on criteria developed by the FLTA Scholarship committee.

“We are proud to support the FLTA Scholarship program. Through the scholarship awards, Property Debt Research aims to help high achieving students pursue their educational goals,” said Bruce Russell, CEO of Property Debt Research.

This year’s recipients of the Property Debt Research 2015 Scholarships are: Carissa Licata and Allyson March.

Congratulations to these remarkable students who exemplified a commitment to excellence as demonstrated by their educational efforts and strong involvement in community activities.

#FLTA #TitleIndustry #Scholarships

We hope you had Fun for Halloween 2015!

Property Debt Research employees enjoyed Halloween and we hope you did too.

Property Debt Research Halloween 2015

Property Debt Research offers affordable, high quality Municipal Lien Searches and HOA Estoppel research in Florida and Nationwide.

First FREE Updates on Municipal Lien Searches are now being offered within 60 days of the original report (plus hard costs).

Check our Customer Order form for more details about our rates.

We continuously provide exceptional customer support, while absorbing liability risks and saving you valuable time.

Trust Your Municipal Lien Searches to the Best! Property Debt Research

The Consumer Financial Protection Bureau (CFPB) has provided numerous online resources for information on the upcoming TILA / RESPA Integrated Disclosure Rule (TRID) changes.US Capitol-Building-TILA-RESPA-TRID

For a great deal of CFRB Information as it relates to TRID visit:

TILA-RESPA Integrated Disclosure rule implementation – Numerous Guides, Forms & Sample Forms

To narrow your search, review:

Loan Estimate – Sample Fixed Rate Loan:

Closing Disclosure – Fixed Rate Sample Loan:

If you are looking to purchase a home in the near future one of the most Frequently Asked Questions is:

Will the New Mortgage Disclosures Delay My Closing?

The date for Implementation of the CFPB is October 3, 2015



CFPB-TRID-ComplianceWe at Property Debt Research have been following the new Consumer Financial Protection Bureau (CFPB) regulations closely, especially in regards to the Third Party Vendor Compliance. The CFPB and in turn banks and lenders will be relying on title service providers to ensure that they properly vet all third party vendors, including Municipal Lien Search companies like Property Debt Research.

Our goal as the premier Municipal Lien Search and HOA Estoppel research provider is to guarantee that our clients have complete confidence in our internal policies and to assure them that we will comply with their requests as they continue to build and update their Vendor Management Policy and Best Practices Manual.

Third Party Vendor Compliance

As a third party vendor in the real estate industry we currently comply and will continue to comply with all state and federal consumer finance laws that are applicable to our business, including state and federal consumer protection statutes and data privacy and protection mandates.  We feel very strongly about consumer protection and privacy, and our employees will continue to receive additional training and education regarding these matters.

Enhanced E&O Insurance Policy

Property Debt Research is one of the few MLS companies that have taken the extra steps to have an E&O policy that covers unrecorded liens as well as the standard recorded liens.

The majority of policies in our type of business exclude unrecorded liens. However, unrecorded liens are our business and as the leader in MLS searches we have enhanced our policy to include unrecorded liens which further protects you and your clients.

If you have any questions as we near the October 3, 2015 start date of the CFPB regulations please contact us at: 877-543-6669 ext. 219.

Property Debt Research is pleased to announce their integration with Adeptive’s ResWare title software.

The Property Debt Research integration with ResWare will allow ResWare users to place orders and receive reports for Municipal Lien Searches and HOA estoppel research directly from the ResWare envionment.

“Requesting Property Debt Research’s municipal lien searches and HOA estoppel research through a seamless integration with the ResWare platform provides additional convenience and service to our clients and the ResWare user group.    Our partnership with ResWare will enable our mutual clients to benefit from the superior efficiencies of simplified order entry and report delivery,” said Bruce Russell, CEO of Property Debt Research.

Learn more: Property Debt Research and ResWare



US House Representatives and industry professionals ask for Implementation Delay and “Hold-harmless” period through the end of 2015 for implementing the new Consumer Financial Protection Bureau’s TILA-RESPA Integrated Disclosures (TRID) rule.


CFPB TRID Implementation Date Official: October 3, 2015 >>Click to learn more

CFPB’s Proposed TRID Implementation Delay Receives Strong Industry Support.
Read more: CFPB Proposed Delay

and here: ALTA Statement on Proposed TRID Delay

CFPB says they will be “sensitive” to industry good-faith efforts.  Many feel uneasy about vague language.  Read more:  Consumer Finance Update

Find out more at:
ALTA: TILA-RESPA Integrated Disclosures (TRID)

CFPB says they will be “sensitive” to industry good-faith efforts.  Many feel uneasy about vague language.

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