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hello and welcome to bite-size legal where we tackle legal issues one bite at a time my name is drew Jenkins and Im an attorney licensed in Georgia and Alabama and today were gonna be talking about settlement fees legitimate or not a little bit of history is an order prior to the financial crisis in 2008 real estate was booming and a term called junk fees were cropping up in the industry these are fees that are earned directly by the settlement agent but are not clearly disclosed as fees earned by the settlement agent good examples of these are post closing fees archiving fees title binder fees they were they went to the bottom line of the settlement agent but it wasnt always clear to the parties in the transaction that this was the case now obviously after the financial crash of 2008 profits pretty much diminished a lot of companies went out of business and this led to a period known as clean settlement statements or clean hutt ones where there was really nothing disclosed other t