Someone sees that you are serious, they will invest in you (their time); you repay by being serious and approaching this with hard work and honesty, and buying through him or her when you are ready.

Does Frank have a unique factory code or vin#?

It is also a neighborhood that is very unique in Philadelphia. 

I will be reaching out to them through letters or by phone (if I can find a phone number),  assuming I actually get a response, I want to come off to them as though I'm here to help them get rid of the burden and would like to have an arsenal of options based on their unique need. 

The situation is unique in that the current owner has not paid any payments since approximately 2013 and the bank has yet to foreclose.

I wanted to close the current HELOC and open another one against the same house ( since the repayment period is  starting very soon). 

I had the opportunity to speak with Brian this morning, and I'm very appreciative of his time, which was considerable.I have a unique situation, in that I am a licensed agent as well as having been an investor in the past. 

If the poop didn't disappear I might try to find a way to make dogs disappear (just kidding, kind of) hopefully your patience will help you find resolve but this one is unique.

Yours is the third that I'm aware of, that did not repay the principal when promised. 

I was told that even though my payments were $0 per month because of income based repayment, they needed to be deferred instead otherwise they would consider my payments to be a percentage of the total loan per month.