You can report it to a collection agency but first send them a certified letter stating that this is a formal request and if they do not comply you will have a debt collection agency go after it and it will effect their credit and lending opportunities in the future - you will have to do it for all 3 because they're responsible for it collectively.

You hiring them should have been formalized and documented, including the W2s, just like you would do with an unrelated worker:https://www.nolo.com/legal-encyclopedia/why-its-tax-smart-hire-your-children.html1099s are not appropriate for your own 12 and 14-yo kids, because you exercise complete control over their work.

Murphy, 478 Mass. 664 (2018)A reverse mortgage did not contain the formal language of "statutory power of sale," but only said that the company could “invoke the power of sale and other remedies permitted by applicable law."

I'm also a formal mentor to new HomeSmart agents and I show them how to get started in real estate in exchange for a cut of their commission on the first 3 transactions. 

I need in order to formally submit make an offer without an agent. 

On the border of a hot location!

If you are taking title (double closing) then you will need a formal id.  

I would think that would be a big negative for many.The only place I see big revisions like this is in more expensive houses...often the mid-century type in North Dallas where there was formal living that many won't use any more...so people knock down a wall and open up the kitchen.If this house is in the older part of Mckinney East of 75....what is your target market for end user?

The Missouri Supreme Court in Ethridge apparently stated that for equitable subrogation to apply, the party against whom the doctrine would be applied (USAA in this case) must have "engaged in fraudulent conduct or committed acts bordering on fraud that created the condition that caused the lender a loss." 226 S.W.3d at 134. 

@Christopher Kolasa, just so you know most forms of formal retirement plans are exempt from attachment including bankruptcy.