UNITED
      STATES


SECURITIES
      AND EXCHANGE COMMISSION


Washington,
      D.C. 20549





**FORM
      10-Q**





(Mark
      One)


x QUARTERLY
      REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES


EXCHANGE
      ACT OF 1934





For
      the
      quarterly period ended: September 30, 2008





OR





o TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE EXCHANGE ACT





For
      the
      transition period from _________ to _________





Commission
      file number: **333-149036**




**TITLE
      STARTS ONLINE, INC.**


(Name
      of
      small business issuer in its charter)





**Nevada**
            **26-1394771**(State
                or other jurisdiction of
            (I.R.S.
                Employerincorporation
                or organization)
            Identification
                No.)





**7007
                College Boulevard, Suite 270****Overland
                Park, KS**
            **66211**(Address
                of principal executive offices)
            (Zip
                code)





Issuer's
      telephone number: **913.832.0072**




Indicate
      by check mark whether the registrant (1) has filed all reports required to
      be
      filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
      the
      preceding 12 months (or for such shorter period that the registrant was required
      to file such reports), and (2) has been subject to such filing requirements
      for
      the past 90 days.




Yes x No o




Indicate
      by check mark whether the registrant is a large accelerated filer, an
      accelerated filer, a non-accelerated filer, or a smaller reporting company.
      See
      the definitions of “large accelerated filer”, “accelerated filer” and “smaller
      reporting company” in Rule 12b-2 of the Exchange Act.




Large
                accelerated filer ̈
            
            Accelerated
                filer ̈Non-accelerated
                filer ̈
            
            Smaller
                reporting companyx




Indicate
      by check mark whether the registrant is a shell company (as defined in Rule
      12b-2 of the Exchange Act).


Yes o No x




Indicate
      the number of shares outstanding of each of the issuer's classes of common
      stock, as of the latest practicable date:




Common
      Stock: 3,300,000 shares outstanding as of September 30, 2008.








**TABLE
      OF CONTENTS**





PART
                I - FINANCIAL INFORMATION
            3Item
                1. Unaudited Financial Statements
            3Item
                2. Management's Discussion and Analysis of Financial Condition and
                Results
                of Operations
            12Item
                3. Quantitative and Qualitative Analysis About Market Risk
            16Item
                4. Controls and Procedures
            16PART
                II - OTHER INFORMATION
            16Item
                1. Legal Proceedings
            16Item
                1A. Risk Factors
            16Item
                2. Unregistered Sales of Equity Securities and Use of
                Proceeds
            16Item
                3. Defaults Upon Senior Securities
            16Item
                4. Submission of Matters to a Vote of Security Holders
            16Item
                5. Other Information
            16Item
                6. Exhibits
            16Signatures
            17Exhibits


2


**PART
      I - FINANCIAL INFORMATION**





**Item
                1.**
            **FINANCIAL
                STATEMENTS (UNAUDITED)**





The
      accompanying unaudited financial statements of Title Starts Online, Inc. (“TSO”
or the “Company”) have been prepared in accordance with generally accepted
      accounting principles in the United States for interim financial reporting
      and
      pursuant to the rules and regulations of the Securities and Exchange Commission
      ("Commission"). While these statements reflect all normal recurring adjustments
      which are, in the opinion of management, necessary in order to make the
      financial statements not misleading and for fair presentation of the results
      of
      the interim period, they do not include all of the information and footnotes
      required by generally accepted accounting principles for complete financial
      statements. For further information, refer to the financial statements and
      footnotes thereto, for the fiscal year ended December 31, 2007, previously
      filed
      with the Commission, which are included in the Pre-Effective Amendment No.
      4 to
      Form SB-2 of the Company's Registration Statement on Form S-1/A filed on or
      about August 7, 2008.


3




**TITLE
        STARTS ONLINE, INC.**
 **(A
        DEVELOPMENT STAGE COMPANY)**
 **CONSOLIDATED
        BALANCE SHEETS**
 
 December 31, 2007
              
              September 30, 2008(See Note 1)
              
              (Unaudited)ASSETSCURRENT
                  ASSETSCash
              
              $
              -
              
              $
              111Stock
                  subscriptions receivable
              
              
              3,100
              
              
              50,000TOTAL
                  CURRENT ASSETS
              
              
              3,100
              
              
              50,111Deferred
                  offering costs
              
              
              15,291
              
              
              -TOTAL
                  ASSETS
              
              $
              18,391
              
              $
              50,111LIABILITIES
                  AND STOCKHOLDERS' EQUITYCURRENT
                  LIABILITIESAccounts
                  payable
              
              $
              17,091
              
              $
              29,612Advances
                  payable, related party
              
              
              -
              
              
              5,000TOTAL
                  CURRENT LIABILITIES
              
              
              17,091
              
              
              34,612Commitments
                  and contingencies (Notes 1, 2, 3, 5, and 6)STOCKHOLDERS'
                  EQUITYPreferred
                  stock, $0.001 par value
                Authorized:
                  75,000,000 shares
                Issued
                  and outstanding: None
              
              
              -
              
              
              -Common
                  stock, $0.001 par value
                Authorized:
                  425,000,000 shares
                Issued
                  and outstanding: 3,100,000 and 3,300,000
                at
                  December 31, 2007 and September 30, 2008,
                respectively
              
              
              3,100
              
              
              3,300Additional
                  paid-in capital
              
              
              -
              
              
              17,708Deficit
                  accumulated during the development stage
              
              
              (1,800
              )
              
              (5,509
              )TOTAL
                  STOCKHOLDERS' EQUITY
              
              
              1,300
              
              
              15,499TOTAL
                  LIABILITIES AND STOCKHOLDERS' EQUITY
              
              $
              18,391
              
              $
              50,111
 
 The
        accompanying notes are an integral part of the financial
        statements.
  4
  **TITLE
        STARTS ONLINE, INC.**
 **(A
        DEVELOPMENT STAGE COMPANY)**
 **CONSOLIDATED
        STATEMENTS OF OPERATIONS**
 **(UNAUDITED)**
 
 For
                  the period fromFor the three
              
              For the nine
              
              November
                  13, 2007months ended
              
              months ended
              
              (Inception)
                  toSeptember 30, 2008
              
              September 30, 2008
              
              September 30, 2008REVENUE
              
              $
              -
              
              $
              -
              
              $
              -EXPENSESGeneral
                  and administrativeAdvertising
              
              
              1,009
              
              
              1,009
              
              
              1,009Transfer
                  Agent Fees
              
              
              1,780
              
              
              1,780
              
              
              1,780Legal
                  Fees
              
              
              -
              
              
              920
              
              
              2,720Total
                  Expenses
              
              
              2,789
              
              
              3,709
              
              
              5,509NET
                  (LOSS)
              
              $
              (2,789
              )
              $
              (3,709
              )
              $
              (5,509
              )NET
                  LOSS PER SHAREBasic
                  and diluted
              
              $
              Nil
              
              $
              Nil
              
              $
              NilWEIGHTED
                  AVERAGE NUMBER OF SHARESBasic
                  and diluted
              
              
              3,126,087
              
              
              3,108,759
              
              
              3,107,453
 
 The
        accompanying notes are an integral part of the financial
        statements.
  5
  **TITLE
        STARTS ONLINE, INC.**
 **(A
        DEVELOPMENT STAGE COMPANY)**
 **CONSOLIDATED
        STATEMENT OF CHANGES IN STOCKHOLDERS' EQUITY**
 
 **FOR
        THE PERIOD NOVEMBER 13, 2007 (INCEPTION) TO SEPTEMBER 30,
        2008**
 **(UNAUDITED)**
 
 (Deficit)Common Stock,
              
              Additional
              
              Accumulated
              
              Total$0.001 Par Value
              
              Paid-in
              
              During  the
              
              Stockholders'Shares
              
              Amount
              
              Capital
              
              Development Stage
              
              EquityShares
                  issued at $0.001 per share on November 13, 2007
              
              
              3,100,000
              
              $
              3,100
              
              $
              -
              
              $
              -
              
              $
              3,100Net
                  loss, period ended December 31, 2007
              
              
              -
              
              
              -
              
              
              -
              
              
              (1,800
              )
              
              (1,800
              )Balance,
                December 31, 2007
              
              
              3,100,000
              
              
              3,100
              
              
              -
              
              
              (1,800
              )
              
              1,300Shares
                  issued at $0.25 per share less offering costs of $32,092 on September
                  18,
                  2008
              
              
              200,000
              
              
              200
              
              
              17,708
              
              
              -
              
              
              17,908Net
                  loss, period ended September 30, 2008 (Unaudited)
              
              
              -
              
              
              -
              
              
              -
              
              
              (3,709
              )
              
              (3,709
              )Balance,
                  September 30, 2008 (Unaudited)
              
              
              3,300,000
              
              $
              3,300
              
              $
              17,708
              
              $
              (5,509
              )
              $
              15,499
  6
  **TITLE
        STARTS ONLINE, INC.**
 **(A
        DEVELOPMENT STAGE COMPANY)**
 **CONSOLIDATED
        STATEMENTS OF CASH FLOWS**
 **(UNAUDITED)**
 
 For the period fromFor the nine
              
              November 13, 2007months ended
              
              (Inception) toSeptember 30, 2008
              
              September 30, 2008(Unaudited)
              
              (Unaudited)CASH
                  FLOWS FROM OPERATING ACTIVITIES:Net
                  (Loss)
              
              $
              (3,709
              )
              $
              (5,509
              )Adjustments
                  to reconcile net income (loss) to net cash used in operating
                  activities:Increase
                  in accounts payable
              
              
              12,521
              
              
              29,612NET
                  CASH PROVIDED BY OPERATING ACTIVITIES
              
              
              8,812
              
              
              24,103CASH
                  FLOWS FROM FINANCING ACTIVITIESProceeds
                  from sale of common stock
              
              
              3,100
              
              
              3,100Offering
                  costs
              
              
              (16,801
              )
              
              (32,092
              )Advances
                  from related party
              
              
              5,000
              
              
              5,000NET
                  CASH (USED IN) FINANCING ACTIVITIES
              
              
              (8,701
              )
              
              (23,992
              )INCREASE
                  IN CASH
              
              
              111
              
              
              111CASH,
                  BEGINNING OF PERIOD
              
              
              -
              
              
              -CASH,
                  END OF PERIOD
              
              $
              111
              
              $
              111SUPPLEMENTAL
                  DISCLOSURES OF CASH FLOW INFORMATION:Interest
                  paid
              
              $
              -
              
              $
              -Income
                  taxes paid
              
              $
              -
              
              $
              -SUPPLEMENTAL
                  NON-CASH TRANSACTIONS:Issuance
                  of stock for stock subscriptions receivable
              
              $
              50,000
              
              $
              50,000
 
 The
        accompanying notes are an integral part of the financial
        statements.
  7
  **TITLE
        STARTS ONLINE, INC.**


**(A
        DEVELOPMENT STAGE COMPANY)**
 **NOTES
        TO CONSOLIDATED FINANCIAL STATEMENTS**
 
 **SEPTEMBER
        30, 2008**
 **(UNAUDITED)**
 
 1
        UNAUDITED FINANCIAL STATEMENTS
 
 The
        balance sheet as of September 30, 2008, the statements of operations and
        the
        statements of cash flows for the three and nine month periods ended September
        30, 2008, and the period from November 13, 2007 (inception) through September
        30, 2008, have been prepared by Title Starts Online, Inc. (the "Company")
        without audit, pursuant to the rules and regulations of the Securities and
        Exchange Commission. Certain information and footnote disclosures, normally
        included in the financial statements prepared in accordance with accounting
        principles generally accepted in the United States of America, have been
        condensed or omitted as allowed by such rules and regulations, and the Company
        believes that the disclosures are adequate to make the information presented
        not
        misleading. In the opinion of management, all adjustments (which include
        only
        normal recurring adjustments) necessary to present fairly the financial
        position, results of operations and changes in financial position at September
        30, 2008 and for all periods presented, have been made.
 
 It
        is
        suggested that these statements be read in conjunction with the December
        31,
        2007 audited financial statements and the accompanying notes included in
        the
        Pre-Effective Amendment No. 4 to Form SB-2 of the Company's Registration
        Statement on Form S-1/A, filed with the Securities and Exchange Commission
        on
        August 7, 2008.
 
 2
        ORGANIZATION AND BUSINESS OPERATIONS
 
 Title
        Starts Online, Inc. (the "Company") was incorporated in the State of Nevada
        on
        November 13, 2007. On September 25, 2008 the Company formed a wholly-owned
        subsidiary, Title Starts of Kansas City, LLC. The Company is a Development
        Stage
        Company as defined by Statement of Financial Accounting Standards ("SFAS")
        No.
        7. The Company plans to offer an online repository of title starts for
        abstractors.
 
 On
        August
        11, 2008 received a Notice of Effectiveness from the U.S. Securities and
        Exchange Commission. On September 18, 2008, the Company closed the public
        offering in which it accepted subscriptions for an aggregate of 200,000 shares
        of its common stock.
 
 3
        SUMMARY
        OF SIGNIFICANT ACCOUNTING POLICIES
 
 a)
        Basis
        of Presentation
 The
        financial statements have been prepared on a going concern basis, which
        contemplates the realization of assets and liquidation of liabilities in
        the
        normal course of business. However, the Company has minimal business operations
        and has recurrring losses. These conditions raise substantial doubt about
        the
        ability of the Company to continue as a going concern.
 
 In
        view
        of these matters, continuation as a going concern is dependent upon the
        continued   operations of the Company, which in turn is dependent upon the
        Company's ability to meet its financial requirements, raise additional capital,
        and the success of its future operations. The financial statements do not
        include any adjustments to the amount and classification of assets and
        liabilities that may be necessary should the Company not continue as a going
        concern.
  8
  The
        Company completed a public offering and raised $50,000 less offering costs
        of
        $32,092 as described in Note 6. Management believes that this plan provides
        an
        opportunity for the Company to continue as a going concern.
 
 b)
        Cash
        and Cash Equivalents
 The
        Company considers all highly liquid instruments with a maturity of three
        months
        or less at the time of issuance to be cash equivalents.
 
 c)
        Use of
        Estimates and Assumptions
 The
        preparation of financial statements in conformity with accounting principles
        enerally accepted in the United States requires management to make estimates
        and
        assumptions that affect the reported amounts of assets and liabilities and
        disclosure of contingent assets and liabilities at the date of the financial
        statements and the reported amounts or revenues and expenses during the
        reporting period. Actual results could differ from those estimates.
 
 d)
        Fair
        Value of Financial Instruments
 SFAS
        107,
        "Disclosures About Fair Value of Financial Instruments," requires disclosure
        of
        fair value information about financial instruments. Fair value estimates
        discussed herein are based upon certain market assumptions and pertinent
        information available to management as of September 30, 2008.
 
 The
        respective carrying value of certain on-balance-sheet financial instruments
        approximate their fair values. These financial instruments include cash,
        stock
        subscriptions receivable, and accounts payable. Fair values were assumed
        to
        approximate carrying values for these financial instruments since they are
        short
        term in nature and their carrying amounts approximate fair value, or they
        are
        receivable or payable on demand.
 
 e)
        Revenue Recognition
 The
        Company has not generated any revenues since entering the development
        stage.  It is the Company's policy that revenues will be recognized in
        accordance with SEC Staff Bulletin (SAB) No. 104, "Revenue Recognition".
        Under
        SAB 104, product revenues (or service revenues) are recognized when persuasive
        evidence of an arrangement exists, delivery has occurred (or service has
        been
        performed), the sales price is fixed and determinable, and collectability
        is
        reasonably assured.
 
 f)
        Stock-based Compensation
 Stock-based
        compensation is accounted for at fair market value in accordance with SFAS
        No.
        123 and 123 R. To date, the company has not adopted a stock option plan and
        has
        not granted and stock options.
 
 g)
        Income
        Taxes
 Income
        taxes are accounted for under the assets and liabilites method. Deferred
        tax
        assets and liabilities are recognized for the estimated future tax consequences
        attributable to differences between the financial statement carrying amounts
        of
        existing assets and liabilities and their respective tax bases and operating
        loss and tax credit carry forwards. Deferred tax assets and liabilities are
        measured using enacted tax rates in effect for the year in which those temporary
        differences are expected to be recovered or settled.
  9
  h)  Basic
        and
        Diluted Net Loss per Share
 The
        Company computes net loss per share in acordance with SFAS No. 128, "Earnings
        per Share". SFAS No. 128 requires presentation of both basic and diluted
        per
        share (EPS) on the face of the income statement. Basic EPS is computed by
        dividing net loss available to common shareholders (numerator) by the weighted
        average number of shares outstanding (denominator) during the period. Diluted
        EPS gives effect to all potentially dilutive shares if their effect is
        anti-dilutive.
 
 i)  Development
        Stage Company
 Based
        on
        the Company's business plan, it is a development stage company since planned
        principal operations have not yet commenced. Accordingly, the Company presents
        its financial statements in conformity with the accounting principles generally
        accepted in the United States of America that apply to developing enterprises.
        As a development stage enterprise, the Company discloses its retained earnings
        (or deficit accumulated) during the development stage and the cumulative
        statements of operations and cash flows from commencement of development
        stage
        to the current balance sheet date. The development stage began on November
        13,
        2007, when the Company was organized.
 
 j)  Concentrations
 The
        Company is not currently a party to any financial instruments that potentially
        subject it to concentrations of credit risk.
 
 k)  Recent
        Pronouncements
 There
        were various accounting standards and interpretations issued during 2008
        and
        2007, none of which are expected to have a material impact on the Company's
        financial position, operations, or cash flows.
 
 l)  Principles
        of Consolidation
 The
        consolidated financial statements include the accounts of both Title Starts
        Online, Inc. and its subsidiary Title Starts of Kansas City, LLC. All
        inter-company accounts have been eliminated in the consolidation.
 
 4
        CAPITAL
        STOCK
  *Preferred
        Stock.* The
        Company has authorized 75,000,000 shares of preferred stock with a par value
        of
        $.001 per share. These shares may be issued in series with such rights and
        perferences as may be determined by the Board of Directors. The Company has
        not
        issued any preferred shares.
 
 *Common
        Stock* .
        The
        Company has authorized 425,000,000 shares of common stock with a par value
        of
        $.001 per share. As of September 30, 2008, there were 3,300,000 shares issued
        and outstanding
 
 On
        November 13, 2007, (inception), the Company issued 3,100,000 shares of common
        stock to a director of the Company at $.001 per share, for a total of $3,100
        in
        stock subscriptions receivable. Subsequent to December 31, 2007, the Company
        collected the remaining balance of the stock subscriptions
        receivable.
 
 On
        September 18, 2008, the Company issued 200,000 shares of common stock to
        forty
        individuals at $0.25 per share for a total $50,000 in stock subscriptions
        receivable. The $50,000 is being held in an escrow account with the Company's
        attorney. Offering costs totaling $32,092 related to the offering have been
        offset to the proceeds.
  10
  5
        INCOME
        TAXES
 
 Deferred
        income taxes arise from temporary timing differences in the recognition of
        income and expenses for financial reporting and tax purposes. The Company's
        deferred tax assets consist entirely of the benefit form operating loss (NOL)
        carry forwards. The net operating loss carry forward, if not used, will expire
        in various years through 2028, and is severely restricted as per the Internal
        Revenue code, if there is a change in ownership. The Company's deferred tax
        assets are offset by a valuation allowance due to the uncertainty of the
        realization of the net operating loss carry forwards. Net operating loss
        carry
        forwards may be further limited by other provisions of the tax
        laws.
 
 The
        Company's deferred tax assets, valuation allowance, and change in valuation
        allowance are as follows:
 
 Period
                  Ending:
              
              Estimated
                NOL
                  Carry-
                Forward
              
              NOL
                Expires
              
              Estimated
                Tax
                  Benefit
                from
                  NOL
              
              Valuation
                Allowance
              
              Change
                  in
                Valuation
                Allowance
              
              Net
                  Tax
                BenefitDecember
                  31, 2007
              
              
              1,800
              
              
              2027
              
              
              270
              
              
              (270
              )
              
              (270
              )
              
              -September
                  30, 2008
              
              
              3,709
              
              
              2028
              
              
              556
              
              
              (556
              )
              
              (286
              )
              
              -
 
 Income
        taxes at the statutory rate are reconciled to the Company's actual income
        taxes
        as follows:
 
 Income
                  tax
              
              
              (15.00)
              %Deferred
                  income
              
              
              15.00
              %Actual
                  tax rate
              
              
              0
              %
 
 6
        RELATED
        PARTY TRANSACTIONS
 
 The
        Company uses the offices of its President for its minimal office facility
        needs
        for no consideration. No provision for these costs has been provided since
        it
        has been determined that they are immaterial.
 
 The
        Company's President has advanced $5,000 to the Company during the period
        ended
        September 30, 2008. The advances are uncollateralized, bear no interest,
        and are
        due on demand.
 
 7
        DEFERRED OFFERING COSTS
 
 As
        of
        December 31, 2007 and September 18, 2008, the Company had incurred $15,291
        and
        $32,092, respectively, in costs related to a public offering of its securities.
        The offering was completed in September 2008, and the costs were offset to
        the
        proceeds.
  11


**Item
                2.**
            **MANAGEMENT'S
                DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF
                OPERATIONS**





The
      following discussion should be read in conjunction with our financial statements
      and the notes thereto which appear elsewhere in this report. The results shown
      herein are not necessarily indicative of the results to be expected in any
      future periods. This discussion contains forward-looking statements based on
      current expectations, which involve uncertainties. Actual results and the timing
      of events could differ materially from the forward-looking statements as a
      result of a number of factors.





**Forward-Looking
      Statements**





The
      following discussion and analysis is provided to increase the understanding
      of,
      and should be read in conjunction with, the Financial Statements of the Company
      and Notes thereto included elsewhere in this Report. Historical results and
      percentage relationships among any amounts in these financial statements are
      not
      necessarily indicative of trends in operating results for any future period.
      The
      statements, which are not historical facts contained in this Report constitute
      "forward-looking statements" within the meaning of the Private Securities
      Litigation Reform Act of 1995. Such statements are based on currently available
      operating, financial and competitive information, and are subject to various
      risks and uncertainties. Future events and the Company's actual results may
      differ materially from the results reflected in these forward-looking
      statements. Factors that might cause such a difference include, but are not
      limited to, dependence on existing and future key strategic and strategic
      end-user customers, limited ability to establish new strategic relationships,
      ability to sustain and manage growth, variability of operating results, the
      Company's expansion and development of new service lines, marketing and other
      business development initiatives, the commencement of new engagements,
      competition in the industry, general economic conditions, dependence on key
      personnel, the ability to attract, hire and retain personnel who possess the
      technical skills and experience necessary to meet the service requirements
      of
      its clients, the potential liability with respect to actions taken by its
      existing and past employees, risks associated with international sales, and
      other risks described herein and in the Company's other SEC
      filings.





**Overview**





**Company
      Overview**





Title
      Starts Online, Inc. is a corporation, incorporated in the State of Nevada on
      November 13, 2007. The Company's principal offices are currently located at
      7007
      College Boulevard, Suite 270, Overland Park, KS 66211. Our telephone number
      there is 913.832.0072. Our fax number is 866.681.3091. All operations, from
      administration to product development, take place at this location. The Company
      occupies space within a customer facility owned by our President and Chief
      Executive Officer, Mark DeFoor, for which it currently pays no rent.





The
      Company is in the early stage of operations with no current revenues to date.
      From inception through August 11, 2008, the date on which the Company’s
      securities offering was declared effective by the SEC, the majority of the
      Company’s activities revolved around defining requirements from residential
      title abstractors in the Kansas City area to determine the value proposition
      of
      a consolidated title start website and beginning the development of the website.
      From August 11, 2008 through September 17, 2008, the Company conducted its
      securities offering and obtained subscriptions for its securities. On September
      25, 2008, the Company formed a wholly-owned subsidiary, Title Starts of Kansas
      City, LLC, a Missouri limited liability company. During the remainder of the
      third quarter, the Company continued to develop its website and began to
      identify title searchers and abstractors with whom it plans to establish
      contractual relationships for the use of the Company’s website through its
      subsidiary.





**Organizational
      Structure**





Our
      President and Chief Executive Officer is Mark DeFoor. Mr. DeFoor handles the
      operational business functions including corporate administration and
      development responsibility with respect to the title starts business. We have
      no
      employees.





**Products
      and Services** ****





The
      mission of the Company is to provide fast and reliable “title starts” or
      searched information to title abstractors of small and large title agencies
      and
      underwriters.





The
      Company is developing a central repository for title starts and plans to deliver
      two categories of products – title starts and a title search template – along
      with a tips and tools area via the Company’s website. The website has the
      functionality to manage new title search findings based on unique user
      identification to facilitate order processing, to offer remote storage and
      minimize redundant data entry. Users also have the ability to shop for existing
      title starts and utilize innovative search techniques to expedite their
      search.





The
      existing inventory of title starts are indexed by multiple categories. This
      database-driven approach allows users the ability to search by a number of
      separate of variables including addresses, names and/or property legal
      descriptions. The Company does not store any nonpublic information such as
      social security numbers or dates of birth on the website.


12





Users
      play a unique role in the population of the data on the Company website. As
      a
      user places a new title start online, that user can access one of the existing
      starts placed by another user. Users then have the capability of ranking the
      accuracy and completeness of another user’s search.





The
      Company uses a ranking system for users similar to the ranking system used
      for
      sellers on e-bay. Abstractors are ranked by their peers as to the completeness
      and accuracy of their searches. If the ranking of an abstractor falls below
      our
      pre-determined acceptance level, they will have a “restricted” ranking which
      will alert purchasers to the quality of the title start requested from a
“restricted” user.





**Startup
      and Plan** **of Operation**





The
      Data
      Model (database back-end which houses the physical data logically for efficient
      access) has entered its second stage of development. Tables within the database
      have been completed and the relationships between those tables have been
      connected to ensure data integrity. We have made arrangements for an advisory
      panel of front line abstractors to test the Data Model and to test the primary
      data components. Such proof of concept at this stage will allow for a more
      efficient development phase of version I of the GUI interface.





The
      GUI
      (Graphical User Interface), the portion of the web application which is viewable
      by the public, is complete.  Testing on the GUI interface began with a
      group of title abstractors who agreed to volunteer their time to participate
      in
      a focus group to ensure the functionality and usability of the
      application.  Alterations stemming from that focus group began with the
      data model and will follow through to the GUI interface. The GUI design is
      pending approval of the Data Model with the advisory panel/focus group.
      Initially, we launched two separate interfaces. The first was the information
      entry screen which gives abstractors at the plant the ability to upload and
      utilize a standard process to search title. The second is a search engine which
      gives the abstractors the ability to access property information.





Over
      time, we see a third component to the system. This third component will allow
      imports from industry standard software through an easy-to-use interface. This
      component may need to be non-standard as each import would require a small
      amount of mapping to ensure that the load would match our Data Model. If we
      are
      successful in acquiring a large, national agency or underwriter as a business
      partner, we will elevate the priority of the development of this component.





**Sales** **Strategies**





Our
      most
      cost-effective way to generate sales is to direct as many users as possible
      to
      the Company’s website which has been developed in a manner which allow screens
      to be exported to media for distribution. The Company intends to establish
      relationships with title abstractors and title searchers for use of the
      website.





**Technology
      / Platform**





The
      web
      real estate of titlestarts.com was developed utilizing the following products
      offered remotely by godaddy.com:





Database:
            SQLServerGUI:
            Microsofts
                .net framework





Both
      products run on the Microsoft’s Server platform.





Godaddy.com
      also hosts the Company’s email services and storage of information.





**Future
      Products and Services**





As
      the
      use of the website grows, the repository of information will become increasingly
      valuable and, in turn, marketable. Real estate property-related entities, such
      as property and casualty insurers, home improvement businesses and pest control
      companies, will be able to see what starts have been viewed and, therefore,
      ascertain the identity of the properties being transferred.





We
      also
      see a cross-marketing potential with the American Land Title Association (a
      national trade association in the title insurance industry) wherein the website
      could provide continuing education to abstractor members who use the product.
      The Company website could easily provide an online tutorial on proper search
      methods which would promote good practices and which could potentially reduce
      claims against agencies and underwriters.


13





**Market
      Needs**





Abstractors,
      also known as searchers, spend a significant portion of their time searching
      paper documents in local county offices or production plants. Production plants
      are repositories for real estate property records where plant members have
      the
      ability to view information. These production plants are expensive to maintain
      and are used exclusively by medium or large title agencies and underwriters.
      The
      Company can now offer to small and large title agencies and underwriters
      electronic access to the same information which is available at production
      plants. This allows all abstractors the ability to acquire title starts on
      a
      transaction fee basis.





An
      electronic central title start repository offers the potential for an enormous
      reduction in the time involved in research by abstractors. The online repository
      allows the work of an already researched property to be reutilized for a small
      transaction fee.




**Market
      Trends**





Almost
      every insurance agency and underwriter in the title industry is intensely
      interested in the developments in and benefits of technological advances in
      the
      industry. These companies are developing brand specific applications to speed
      the delivery of title commitments to market. While they are spending tremendous
      amount of time and money on these systems, the systems themselves are not
      benefiting the front line abstractors.





In
      our
      judgment, the future will bring a consolidation of information across agencies
      and underwriters. Such a vehicle does not currently exist, and the Company
      hopes
      to be in a position to offer a central repository of property information to
      all
      abstractors eliminating travel and search time in many areas.





**Market
      Growth**





Business
      in all aspects of the real estate industry has constricted over the past year.
      Mortgage applications have declined, and the ability of the mortgage
      professionals to place those applications has also declined. Most mortgage
      lenders have either closed or tightened the guild lines associated with placing
      the loans.





Title
      Starts Online, Inc is utilizing this time to create, implement and market our
      solution. The Company plans to be in a position to capture market share when
      an
      upswing in the real estate market occurs.





**Competition**





The
      title
      industry does not currently have a public online resource for title starts.
      Information is fragmented between legacy log books within local county records
      and company records within a variety of insurance agencies and
      underwriters.





Our
      primary competition is our customers themselves. As a title insurance agency
      searches a property, the “title start” or searched information is saved within a
      customer’s file. This record can be either a physical paper file or an image of
      the documents stored electronically. If, by chance, a title company is asked
      to
      research the property again, then the old customer file is opened and the title
      start will be utilized. In most cases, customers are not in the position of
      having multiple searches on the same property.





Some
      title agencies currently have an internal system which will access county
      records remotely and import them into their system. This system requests new
      searches from the county each time a property is searched. A system of this
      type
      would require data mapping for every county in the United States which is
      currently web enabled.





**Basis
      of Presentation**





Our
      financial statements are prepared in accordance with the rules and regulations
      of the Securities and Exchange Commission. Certain information and disclosures
      in our unaudited condensed consolidated interim financial statements have been
      condensed or omitted as permitted by such rules and regulations. The financial
      statements included in this report should be read in conjunction with our
      audited financial statements for the year ended December 31, 2007 contained
      in
      the registration statement on Form S-1/A of Title Starts Online,
      Inc. filed with the Securities and Exchange Commission on May 5,
      2008.





**Significant
      Accounting Estimates**




We
      review
      all significant estimates affecting our consolidated financial statements on
      a
      recurring basis and record the effect of any necessary adjustment prior to
      their
      publication. Uncertainties with respect to such estimates and assumptions are
      inherent in the preparation of financial statements; accordingly, it is possible
      that actual results could differ from those estimates and changes to estimates
      could occur in the near term. The preparation of our financial statements
      requires management to make estimates and assumptions that affect the reported
      amounts of assets and liabilities and disclosure of the contingent assets and
      liabilities at the date of the financial statements and the reported amounts
      of
      revenue and expenses during the reporting period. Estimates and judgments are
      used when accounting for revenue, stock-based compensation, accounts receivable
      and allowance for doubtful accounts, impairment of long-lived assets,
      depreciation and amortization, deferred income taxes, and contingencies among
      others.


14




Management
      has discussed the development and selection of these significant accounting
      estimates with our Board of Directors and our Board of Directors has reviewed
      our disclosures relating to them.





**Results
      of Operations**




***Comparison
      of Three Month Period and Nine-Month Period Ended September 30, 2008 and Period
      From November 13, 2007 (Inception) to September 30,
      2008***




**Overview**




During
      the second half of the third quarter, we conducted an offering of securities
      pursuant to the registration statement which was declared effective by the
      U. S.
      Securities and Exchange Commission on August 11, 2008. Our general activity
      in
      the third quarter following the securities offering has been focused on
      launching our title starts web site and identifying title searchers and
      abstractors with whom the Company plans to establish relationships to use the
      website. Management believes the Company is poised for growth since our web
      site
      is now operational.




The
      Company’s web site offers a central repository for title starts for the purpose
      of delivering two categories of products: title starts and a title search
      template.




**Revenue**




For
      the
      quarter ended September 30, 2008, for the nine-month period ended on September
      30, 2008 and for the period from November 13, 2007 (inception) to September
      30,
      2008, the Company had no revenue.




**Operating
      Expenses**




Operating
      expenses were $2,789 for the quarter ended September 30, 2008, $3,709 for the
      nine months ended September 30, 2008 and $5,509 for the period from November
      13,
      2007 (inception) to September 30, 2008.




Our
      expenses are categorized as advertising, transfer agent fees and legal fees.
      During the quarter ended September 30, 2008, we incurred $1,009 in advertising
      expense and $1,780 in transfer agent fees. During the nine months ended
      September 30, 2008, we incurred $1,009 in advertising expense, $1,780 in
      transfer agent fees and $920 in legal fees. During the period from November
      13,
      2007 (inception) to September 30, 2008, we incurred $1,009 in advertising
      expense, $1,780 in transfer agent fees and $2,720 in legal
      fees.





**Operating
      Loss and Net Loss**




Our
      net
      loss for the quarter ended September 30, 2008 was $2,789, our net loss for
      the
      nine months ended September 30, 2008 was $3,709 and our net loss for the period
      from November 13, 2007 (inception) to September 30, 2008 was $5,509.





**Liquidity
      and Capital Resources**




Management
      believes that we will begin receiving revenue in
      the
      first quarter of 2009. Based on our anticipated level of revenues, we believe
      that funds generated from operations, together with existing cash and cash
      available from financing activities in 2008, will be sufficient to finance
      our
      operations and planned capital expenditures through the second quarter of 2009.




We
      will
      continue to pursue traffic to our web site and actively seek new customers.
      We
      believe these actions will position us to capitalize on opportunities as they
      arise in the industry. However, there can be no assurance that these actions
      will be successful. Should volumes and revenues decline to a level significantly
      below our current expectations, we would reduce capital expenditures and
      implement cost-reduction initiatives which we believe would be sufficient to
      ensure that funds generated from operations, together with existing cash and
      available borrowings under our credit agreement, would be sufficient to finance
      our current operations through the second quarter of 2009.




We
      had
      net cash of $8,812 from operating activities in the nine months ended September
      30, 2008 and net cash of $24,103 from operating activities for the period from
      November 13, 2007 (inception) to September 30, 2008. Cash provided from
      operations is generated primarily from net income and the timing of accounts
      receivable collections and disbursements of accounts payable and accrued
      expenses. We used net cash in financing activities of $8,701for the nine months
      ended September 30, 2008, we used net cash in financing activities of $23,992
      for the period from November 13, 2007 (inception) to September 30, 2008. We
      ended the third quarter with cash of $111.




We
      believe cash flow from operations will be sufficient to finance our current
      operations through the second quarter of 2009.


15





**Off-Balance-Sheet
      Arrangements**




As
      of
      September 30, 2008, we did not have any significant off-balance-sheet
      arrangements, as defined in section 303(a)(4)(ii) of Regulation S-K of
      the SEC.





**Item
                3.**
            **QUANTITATIVE
                AND QUALITATIVE ANALYSIS ABOUT MARKET
                RISK**





Not
      applicable.




**Item
                4.**
            **CONTROLS
                AND PROCEDURES**




Under
      the
      supervision and with the participation of our management, we have conducted
      an
      evaluation of the effectiveness of the design and operation of our disclosure
      controls and procedures, as defined in Rules 13a-15(e) and 15d-15(e) under
      the
      Securities and Exchange Act of 1934, as of the end of the period covered by
      this
      report. Based on this evaluation, our chief executive officer concluded as
      of
      the evaluation date that our disclosure controls and procedures were effective
      such that the material information required to be included in our Securities
      and
      Exchange Commission reports is recorded, processed, summarized and reported
      within the time periods specified in SEC rules and forms relating to our
      Company, particularly during the period when this report was being
      prepared.





Additionally,
      there were no significant changes in our internal controls or in other factors
      that could significantly affect these controls subsequent to the evaluation
      date. We have not identified any significant deficiencies or material weaknesses
      in our internal controls, and therefore there were no corrective actions
      taken.





**PART
      II - OTHER INFORMATION**




**Item
      1. LEGAL PROCEEDINGS**





None




**Item
      1A. RISK FACTORS**





Not
      applicable.




**Item
      2. UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF
      PROCEEDS**





None.





**Item
      3. DEFAULTS UPON SENIOR SECURITIES.**





None.




**Item
      4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS.**





None.





**Item
      5. OTHER INFORMATION.**





None




**Item
      6. EXHIBITS**





Exhibits
      required by Item 601 of Regulation S-K





No.
            
            
            
            Description(3)
            
            (i)
            
            Articles
                of Incorporation of the Company1(iii)
            
            Bylaws
                of the Company1(4)
            
            
            
            Form
                of Common Stock Certificate1(31.1)
            
            
            
            Certification
                of Chief Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley
                Act of 2002(31.2)
            
            
            
            Certification
                of President and Chief Financial Officer Pursuant to Section 302
                of the
                Sarbanes-Oxley Act of 2002




1 Incorporated herein by reference from the Company’s Registration Statement on
      Form SB-2 filed with the Securities and Exchange Commission on February 4,
      2008.


16


**SIGNATURES**





In
      accordance with the requirements of the Securities Exchange Act of 1934, the
      registrant caused duly caused this report to be signed on its behalf by the
      undersigned thereunto duly authorized.





TITLE
                STARTS ONLINE, INC.(Registrant)Date:
                November 12, 2008
            */s/
                Mark DeFoor*Mark
                DeFoorPresident
                and Chief Executive Officer




17