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Attorney Ben Proto - The Musings of a Mad Lawyer

Friday, February 14, 2020

The Pros and Cons of Buying a New Home in 2020

With interest rates and home prices dropping, many experts believe that 2020 is the perfect time to purchase a new home. However, there are upsides and downsides to everything, and the real estate market is no exception. If you are considering buying a home in Connecticut in 2020, below are some pros and cons to consider. If you have additional questions regarding your Connecticut home search, please contact our Read more . . .

Friday, January 17, 2020

The Advantages of Home Ownership in Connecticut

Home ownership offers several advantages. However, people with the means to purchase a home sometimes continue to rent. This is usually due to apprehension about the homebuying process. Hopefully, if you've considered purchasing a home in Connecticut in the past but have failed to do so, this article will provide you with the information you need to begin searching for your first home. For additional information, please contact our Read more . . .

Thursday, December 12, 2019

How to Buy Your First Home in Connecticut

Buying your first home is an exciting process. From your initial search to closing, the homebuying process can be a great experience. However, like most things in life, it isn’t without its pitfalls. In order to ensure that your first home purchase is successful, please review the information below and contact an experienced Read more . . .

Monday, November 11, 2019

Here’s What Buyers and Sellers Must Know About Real Estate Closing Dates

There is often confusion among buyers and sellers regarding real estate closing dates. And when a real estate contract requires that closing take place on or before a certain date, careful negotiation by a Connecticut real estate attorney is imperative to ensure a positive outcome. If you are planning on buying or selling a home in Connecticut and have questions about the closing process, please review the information below, and contact a Connecticut real estate attorney for additional information.  

Sometimes the closing date isn't really the closing date

When entering into a real estate transaction, buyers and sellers must understand that the closing date  in their contract may not be the date that closing actually occurs. In fact, unless a real estate contract contains specific language ("time is of the essence") in reference to the closing date, the date serves merely as a guideline.
Read more . . .

Wednesday, October 9, 2019

Do I Need to Purchase Title Insurance in Connecticut?

Most home purchases require financing. And when a bank finances a transaction, it requires the purchaser to have title insurance. Banks require title insurance to ensure that loans are repaid even when title defects exist in a property. However, the title insurance required by a bank only covers the lender’s interest in the property through the institution’s mortgage. In other words, this doesn’t protect the owner of the property, which is why most homeowners obtain a separate title insurance policy.
Read more . . .

Thursday, September 12, 2019

Questions to Ask Your Prospective Real Estate Attorney

Everyone knows that it is a big advantage to have an experienced real estate attorney in your corner when purchasing or selling property. However, most people are unsure of how to actually choose an attorney. In order to help get you started, below are some questions you should ask your prospective Connecticut real estate attorney during your initial consultation.
Read more . . .

Monday, August 12, 2019

An Overview of Connecticut Landlord/Tenant Law

Landlords and tenants are frequently involved in disputes involving rent, property damage, property cleanliness, noise, repairs, and a host of other matters. When these types of issues arise, there is often confusion regarding the legal responsibilities of the parties. Under Connecticut law, landlords and tenants each have certain responsibilities. If you are a landlord or tenant with questions regarding your legal responsibilities as they relate to a piece of rental property, please review the information below and contact a Read more . . .

Monday, July 15, 2019

Can I Modify My Real Estate Loan?

There are serious consequences for failing to pay your mortgage, including bankruptcy and foreclosure. Homeowners who are unable to make their monthly payments often believe that there is nothing they can do to remedy the situation. This isn’t the case, however. Some homeowners in Connecticut are able to avoid these negative outcomes via a program called loan modification. A loan modification alters a homeowner’s existing loan in a way that allows him or her to afford the monthly payments.
Read more . . .

Friday, June 28, 2019

Can I Break My Connecticut Real Estate Contract?

A party will sometimes enter into a real estate contract only to later determine that he or she no longer wishes to complete the transaction. Breaking a real estate contract without legal justification, however, can result in a lawsuit. Luckily, many real estate contracts contain contingencies that allow a party to terminate the agreement if certain conditions are met. If you have entered into a real estate contract that you’d like to terminate, please review the information below and contact a Read more . . .

Monday, May 20, 2019

What is the Connecticut Uniform Limited Liability Act? Part Two

The Connecticut Limited Liability Company Act, originally passed in 1993, was updated in 2017. This new law, called the Connecticut Uniform Limited Liability Company Act (the Act), is intended to create a more business-friendly environment for LLCs. In a previous article, we reviewed and discussed some of the Act's requirements. Below is an overview of some additional requirements under Connecticut's new LLC law. 

Fiduciary duties of managers and members 

  • Regarding the fiduciary duties of managers and members, the Act permits an operating agreement to do the following:
  • Eliminate or alter a manager or member's duty of loyalty
  • Identify categories of activities that don't violate the duty of loyalty
  • Alter the duty of care but not authorize conduct involving willful or intentional misconduct, bad faith, or a knowing violation of law
  • Eliminate or alter any other fiduciary duties

    In addition, under the Act:

  • A manager or member must discharge his or her duties in good faith 
  • Managers in a manager-managed LLC and members in a member-managed LLC have a duty of loyalty and are required to discharge their obligations and duties under the Act or the operating agreement in good faith
  • A majority in interest of disinterested members may approve any breach of the duty of loyalty after full disclosure of all material facts 


Unless otherwise provided in the operating agreement, the unanimous approval of all members is required to amend an LLC’s certificate of organization or operating agreement.

Read more . . .

Monday, April 15, 2019

What is the Connecticut Uniform Limited Liability Act? Part One

The first major revision of the Connecticut Limited Liability Company Act since its passage in 1993 was signed into law in 2017. This new law, called the Connecticut Uniform Limited Liability Company Act (the Act), is intended to create a more business-friendly environment for LLCs. Below is an overview of some of the major updates enacted by this new version of Connecticut's LLC law. 


Some of the major changes to the Act's terminology include:

  • An LLC's organization document was changed from "articles of organization" to "certificate of organization"
  • An LLC's designated individual who receives legal process was changed from “statutory agent for service" to "registered agent"
  • The document the LLC must file after a merger is approved was changed from "articles of merger" to "certificate of merger"

Operating Agreement Prohibitions

The Act prohibits an operating agreement from: 

  • Applying out-of-state laws to govern Connecticut domestic LLCs
  • Eliminating the obligation of good faith and fair dealing 
  • Relieving an individual from liability for conduct involving bad faith, misconduct, or violation of the law

Certificate of Organization 

Regarding certificates of organization, the Act requires the following:

An LLC's operating agreement must state whether it will be run by a manager 
The certificate of organization must state the name, business address, and residence address of at least one manager or member

Professional Services LLCs

The Act also makes updates to the provisions for LLCs formed to render professional services, such as LLCs for accountants, doctors, and architects. However, the Act maintains certain requirements in this area, such as the requirement that each member of an LLC must be licensed or otherwise authorized by law to render such services.

Read more . . .

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