Give one holder the POA to administer the note with a named trustee under the security agreement.These features can help those heirs in the event they die or become incapacitated, as their share becomes part of their estate, Another point is that if they ever require medical benefits and must qualify for assistance, one holder won't be tagged with the entire balance owing, as they may be and can fail to qualify until that asset is "spent down" for the applicants benefit.The restriction to the sale of the note makes it rather unmarketable, if any assistance program or other action requires the note to be valued at it's market value, the resulting value may not exist or must be evaluated significantly lower.

I work in the medical industry at the moment and I like having the secure job.

I rented out rooms in a house that I rented, with the owners permission, to medical students doing externships in Seattle back in the 1980s.

I am 26 and work for a used book store; supporting my wife through medical school.

Does medical reasons qualify for hardship status?

Although the area has medical and high tech jobs, along with many colleges, the job market isn't that good and Monroe County is losing population.

Well my plans are to start a holding company (The Murray Group) with all of the varying business ventures that I plan to go into including:MediaEntertainmentPublishingReal EstateFashionSports MarketingI am currently working on a degree from Parsons in fashion merchandising.

NO OFFENSE TO THE PROFESSION OR NEED, BUT IT IS MEDICAL SLAVE LABOR IN MANY REGARDS.

Offices, medical, retail, whatever you want.

A strong medical presence also helps.