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'Here we go!' Todd said sitting down a large serving tray filled with bottles of beer. 'I think this should last us a while, ' he added passing a beer to each person at the table and held one high in the air. 'Here's to a safe trip and getting to know some wonderful, new people, ' he smiled looking to Tammy.'To a good trip, ' John said tapping his bottle on Kim's then to Tammy and Todd. 'Let's dance!' John said pulling Kim from her chair and off the small dance floor. 'So, ol' Todd doesn't know how to keep you happy?' John asked seeing Kim shaking her head no. 'Poor baby, ' he said reaching to caress her small, shapely behind. 'I wish I could help you, ' he added moving his hand under her small skirt.A weak smile filled her face. 'I do too, ' she softly said enjoying an experienced man touching her at last. 'If by chance we get alone ... would you help me?' she asked with burning need in her soft voice hoping he would. She needed a real man to satisfy her needs as a woman.John hugged. " 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 and the children combined would own the remaining one—fourth. If one of the children died before the father, their other children.
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