The present invention is a method and apparatus for a work-flow management and document generation system and more particularly a system and method, employing a database accessible by networked computers, for automating the operation of transaction processes such as those of a law office or legal services provider, including a real estate closing process. The system and method rely on intelligent agent processing, in accordance with rules that are incorporated within the database, to monitor and control the process, including such features as automatic status notification to the transaction participants.