That means they represent and defend you to the best of their ability, even at the expense of other parties.

IL defendant/seller has to win that fight first.Chances are, throw $$ to the occupants in "cash for keys" will resolve this faster. 

Unfair as it seems, the crazy party that one roommate threw can result in a termination notice directed to all tenants.In Legal Terms:“Joint and several liability” is where two or more persons are liable in respect of the same liability.Under joint and several liability or all sums, a claimant may pursue an obligation against any one party as if they were jointly liable and it becomes the responsibility of the defendants to sort out their respective proportions of liability and payment.This means that if the claimant pursues one defendant and receives payment, that defendant must then pursue the other obligors for a contribution to their share of the liability.This obligation is normally spelled out in a lease clause, in leases which are signed by two or more tenants.

We still have a right to defend ourselves and expect others to uphold legal agreements.Would you consider it a "moral dilemma" for that same woman to walk into a grocery store and leave without paying for her two pounds of hamburger?

This thread continues to deliver with an influx of people not reading the thread, defending the OP and encouraging him... 

Couple ways to size an umbrella policy, 1 is to analyze your assets and do it based off that, but I have always preferred to do it based on what is an amount that guarantees my insurance company would want to defend me. 1 million to start is pretty popular.

If you said "recession AND housing market collapse" then you are defending two different positions that may or may not overlap.

The property owner is the defendant, not the insurance company. 

That has been my experience as long as you have a 1.25% or higher DSCR.I would defiantly use the bigger pockets rental property calculator and show the results to the bank, sometimes they can be stubborn on values as well but this is something you can come with accurate comps from an agent and your own personal financial pro forma of the property.Also, don't take the banks appraiser at face value, you may have to defend your position against one and it helps having the numbers in hand...Good Luck!

:) I definitely defend speeding tickets all around our area, but not up in DC.