unless there is a personal gurantee .. collecting from those that have no money is pretty tough.the cost to get to judgement and then collect usually out weight any thing you will get out of a dead beat borrower.... been there done that a few hundred times over 40 years.get control move on.. lick your wounds.

In a very simple way that is why I rarely check my weight when I fell heavy and always check it when I am losing weight. 

Vesting can be the rust on the golden handcuffs.A law was created (Pension Protection Act of 2006) that limited vesting schedules to 6 yr maximum with some % of vesting required to start by yr #2 or 100% vesting after 3 yr if the employer doesn't allow for a gradual vesting schedule in the first 2 yrs. 

And there's enough money/demand as long as tech is booming to offset the folks who do get priced down/out as the rates are gradually increased.

One just needs to do proper financial analysis first and weight the cost/benefits.

__________________________Provide the name and physical description (size, color, weight, license) of the animal:_______________________________________________________________________________Does the animal perform work or do tasks because of the disability?

These, alone, are worth their weight in gold. 

However, you would want to weight the costs and benefits of doing so. 

But if it gets that bad again guns will out weight everything.

Of course being able to determine first what a real estate guru is will then bring us to the question of, are they worth their weight in gold.