The easy way out is to calculate the maximum due, declare the breach, initiate the foreclosure then mitigate and settle for a smaller number.In essence, you "give away" something that you are not really anticipating receiving in exchange for a forbearance and loan modifixation during fire closure that includes clause(s) reassertion of the debt and Ted new terms.This type mitigation gas both the affect as shivering your willingness to work with the debtor in good faith and further salidifies the debt should the bpdebtor escalate the mitigation into litigation, file BK or breach the forbearance, Even if you do not take further aggressive action to force sale, you would do well to send periodic statements to debtor in order to reminds them the debto is still due. 

For the sake of civility and to do my part for a constructive dialogue, I'll take back my calling BS. 

A lot of these transactions with one or both sides unrepresented also end up falling apart or in litigation.

“Require the real estate industry to provide to the public the same sales contract and leasing templates as used by realtors.”These contracts have been developed, modified and are continuously updated based on changes in the law and litigation cases in real estate industry.

Even though I don't litigate, my advice is this--if you show up in court with the best documentation and clearest 'story', you will most likely be the winner (maybe not with a jury but again, in Magistrate/Small Claims this should make sense, but your mileage may vary).

The Civil War took it over $1B for the first time.

is America on its way to being one of the great civilization to collapse like Rome, Egypt, and several Chinese dynasties.

Three words: Civil Asset Forfeiture.

Non disclosure is a common reason for RE-related litigation - even when there truly was no knowledge of the problem in question.3. 

The courts have ruled that if someone is facing civil liability and they transfer valuable assets into an entity with 36 months of a civil filing, that the transfer can be voided and the asset can be pursued in the event of a judgement.