Filing the Property Transfer Affidavit is a (required) formality that may or may not get done that changes the record of the assessor.

What is frustrating are the those with much less experience dealing with law, those who have no or very little formal education in RE and law, with little finance experience much less compliance experience who do set out opinions, especially in areas that may be off the conventional path which the call "creative financing". 

I went to school back in 2009 and became a certified computer repair technician in hopes of using it as a stepping stone to go back to school and formally get the education I didn't get because I didn't see the value of school then.

PTSD dogs used by veterans ARE considered service animals and are generally formally trained.

(D) Every land installment contract shall conform to the formalities required by law for the execution of deeds and mortgages.

You should also run it by your CPA before doing the formal filing.

But I got one this week on a Judicial foreclosure I wanted to buy redemention rights on and I ordered in 9am on Monday had it in my in box 4 pm next day.

Here in GA it's non-judicial for the most part ( some really old mortgages might still need judicial process or if title issues need to be cleared through the courts etc.).

I disagree with this one:Average people think the road to riches is paved with formal education.

There is an issue with titles, circumventing foreclosure laws and equity limits established requiring a judicial route.