If you did not and it’s unsecured debt you could be out of luck on some or all of the money as depending on his situation unsecured creditors in a bk may receive pennies on the dollar depending on what he can afford and if converted to a ch 7 you would get wiped out.Even in 2nd position he could argue the property is underwater and wipe out your lien.

Hi Alex, welcome to the community and the San Diego region.How do you plan on targeting your leads?

I've been peppering the lead with questions.  

Real estate is a dynamic field, and adaptability can lead to discovering unexpected gems.Finally, enjoy the process.

You would now be free & clear of any debt service and the expense impact of such.

If mold remediation is done by a handyman without air sampling or post-remediation testing, it can lead to issues during the sale.

There will be much more government spending and jobs created in Mcallen to secure the border, leading to continued population growth.

Quote from @Christle Stezskal: I'm wondering if this is an issue that leads back to TransUnion. 

Other equally contributing factors you want to consider is the properties positive cashflow, asset appreciation over time, debt service paydown over time, as well as hedging your dollars against inflation - all of which make real estate such a great investment especially when you have the right property!

Sometimes they can ONLY be used to pay down credit card debt on another card.