If they have taken this step, you have rights to pursue under the FDCPA.Contract or written instrument and for mortgage foreclosure: 5 years.

I'm trying to figure out which instrument I have to put in to pull the proper record with all the information I need?  

Instead of a debt instrument and a lien, you're on title and in the will.

Do you feel like it has taught you important lessons and helped you meet important people that were instrumental to your success now?

Also keep in mind that you can look up the property on the cook county recorder of deeds, which will show any instrument recorded against the property.  

I am trying to figure out the HELOC works as a financial instrument, since the HELOC interest rate is variable not fixed what is the variable benchmarked to within the market and how volatile is this rate usually?

They could convert the cash to a certified instrument (Money Order, Cashiers Check etc). 

It would be wise to review the current security instrument from the other lender.  

DELIVERY OF TITLE:On Optionee's exercise of this option, Optionor shall timely place all documents and instruments into escrowrequired of the Optionor as necessary for escrow to close as scheduled.8.

Opinions on the legal protection of such an instrument are all over the map.