Mortgage Field Services

Field Services: Scam or Legitimate Opportunity ?

Independent Contractor Agreements and Disagreements

Posted on | August 18, 2008 | No Comments

I’ve been trying to recall all the independent contractors that I’ve had business dealings with this year.  I can remember a plumber, auto mechanic, lawn guy, appliance repair man, small engine mechanic, air condition and heating mechanic and a general contractor.  There’s probably a few I couldn’t think of but that’s enough for this discussion.

I did not require any of these people to sign an independent contractor agreement.  Maybe I should have.  Who knows?  The lawn guy may one day claim to be an employee but I’m sure the plumbers won’t – $1600 for about 8 hours of work!

I did not ask any of these contractors:

  • how many years you been in business
  • what licenses do you have
  • how many employees you got
  • how many mechanics you got on the payroll
  • do you have a maintenance crew
  • how many trucks you got
  • tell me about your workman’s comp
  • who else works for you besides employees
  • do you work for any of my neighbors
  • do you work for any of your neighbors
  • who do you work for that I haven’t asked you about

I suspect that if I had asked these contractors to supply me with all of that stuff, I would still be looking for people to get the work done!  Not only that, I’m pretty sure too that they would have labeled be as a real fruit cake.  One curious thing I would like to point out;  I didn’t even ask any of them if they actually knew how to do the job I called them for.
However, when you and I go into the mortgage field services business, some companies have absolutely no problem asking us to supply them with all of this information.
I have to ask: “Why?”  I suspect it’s because too many of us have been letting them get away with it for too long.  Pulling a few phrases out of some other federal requirements, maybe we, as independent contractors, should inquire about the asking company’s “security plan to protect the confidentiality and integrity of personal information”.

A sensible return to reality would be a good thing in this business.  Independent contractors certainly have the right to question the motives behind and the intended use for this type of information.  I think we deserve an explanation.  Do you?

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