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Last week, on a Thursday afternoon, Scott, her boyfriend and the all-district quarterback on the Wildcat football team stopped by after practice, looking for Ryan."Hey little buddy," Scott greeted me at the front door. "Your sister home?" No Scott," I replied, trying to ignore the little buddy comment, although I did have to look up at the 6'3", 200 pound rock of granite that filled the door frame. "She has a volleyball game in Longwood tonight and Mom and Dad went to watch her." Shit! What a day I had," Scott replied, unsolicited. "Two tests, a pep rally, pictures for the yearbook and one hella hard practice. I was hoping to get some of Ryan's special attention this afternoon."My bedroom was next to Ryan's, connected via a common bathroom. We also shared a phone line. I had hacked into the line via my computer and I could listen to Ryan's phone conversations whenever I wanted. I guess you'd say I was a pervert, but hell, I get my jollies wherever I can. I knew exactly what Scott's. "To start with, you need to understand that ownership of land in a state is controlled by the laws of the state where it is located." Howard nodded, so she continued. "When you borrow money and use the property as security for a debt, you still own it, but the bank has a lien, meaning they have a claim which they can enforce if you don't pay the debt. That's what you would call a foreclosure and the bank could sell the property to collect what you did not pay."When you pay off the debt, the lien is released and the bank's interest goes away. If you don't pay taxes or home improvement money, it acts the same way as the bank's lien. The debt and release become documents affecting ownership."Now about your dad who died without a will, I'm sure you already know but I'll tell you a few things anyway. Because this is a community property state, a wife who already owns half, inherits one half of his interest and their children divide the remaining half. The wife would then own three—fourths.
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