It looks like more people (not on the lease) are living in the apartment (2 to 4), drinking, smoking, fighting, load music and partying goes on until dawn.

I’m ok paying these if I have to, just wondering if there is anything else I’m getting into.JUDGMENT AND LIEN INSTRUMENTSDocument Type: Judgment Execution Date: 02/08/2018 Instrument No: 2018-00125 Recorded Date: 02/20/2018 Amount: 1570.06Holder: CAVALRY SPV I, LLC, AS ASSIGNEE OF SYNCHRONY BANK/LOWE'S -----------------------------------------------Document Type: Judgment Instrument No: 2018-00341 Amount: 819.83Holder: MIDLAND FUNDING LLC -----------------------------------------------Execution Date: 06/05/2018 Recorded Date: 06/14/2018

Are most banks sold just as a bank with the credits as well as the land or do some banks sell only the banking instrument and credits without the land?

QCDs are probably the most misused instrument in real estate.

Augustine...beautiful white sand beaches...good schools...music or art festivals every weekend...can dress like a pirate every day of the week...delicious seafood...lighthouse....lots of artists...great rental market...

Deeds and other instruments; recording; when effective as notice; possession of real estate; not effective as notice; when.(1) Except as otherwise provided in sections 76-3413 to 76-3415, all deeds, mortgages, and other instruments of writing which are required to be or which under the laws of this state may be recorded, shall take effect and be in force from and after the time of delivering such instruments to the register of deeds for recording, and not before, as to all creditors and subsequent purchasers in good faith without notice. 

That means the security instrument (Mortgage or Deed of Trust) plus the Promissory Note is included along with all rights and interests.  

The law exists to protect the public from predatory behavior, not to prevent them from voicing their experience or opinion.The Virginia Supreme Court defines the "practice of law" as: One is deemed to be practicing law whenever.(1) One undertakes for compensation, direct or indirect, to advise another not his regular employer, in any matter involving the application of legal principles to facts or purposes or desires.(2) One, other than as a regular employee acting for his employer, undertakes, with or without compensation, to prepare for another legal instruments of any character, other than notices or contract incident to regular course of conducting a licensed business(3) One undertakes, with or without compensation, to represent the interest of another before [a tribunal, as hereinafter defined in UPC 1-1,] otherwise than in the presentation of facts, figures, or factual conclusions, as distinguished from legal conclusions, by an employee regularly Ö employed on a salary basis, or by one specially employed as an expert in respect to such facts and figures when such presentation by such employee or expert does not involve the examination of witnesses or preparation of pleadings.Virginia UPL Opinion 48. http://www.vsb.org/site/regulation/virginia-upl-opinion-48So, don't advise people on the law for money, don't prepare legal documents and don't attempt to represent people in courts or tribunals in Virginia without a license and you're not breaking any laws.Indeed, the very purpose of this community is to advise each other.

So, too, is creating something of value: a useful invention, a popular book, a musical recording, and so forth.Selling dreams works, also; though one is simply acting as a middleman peddling old truths wrapped in new words surrounded by breathless enthusiasm.

I think watching science fiction or listening to classical music from a theory point of view or understanding art can make you imagine, think of possibilities and broaden your thinking.