There are some loans that carry a pre-payment penalty, not legal in all states on a residence, about the only exceptions too are seller financed loans where additional payments cause a tax liability to the note holder, so the penalty can be the difference in the tax liability.Another barrier is accounting fees applied to small partial payments less than an even payment amount, if the payment is 500, you can pay 500, 1000, 1500, 2000 etc without any additional accounting fee.

As a note investor, I am in favor of cleaning up the servicing food chain to get better and faster results.

"They are operated extra-legally or illegally, but the city has bigger things to worry about than going after someone raising a few chickens," she said.Kirk Mayes of the Brightmoor Alliance, in one of the city's poorest areas, says there are 200 community gardens in Brightmoor alone.As farming is imagined for Detroit's future, abandoned land would provide fruit and vegetables to the city's inhabitants, for whom fresh food is often not accessible because grocery stores are few and far between.City and county officials have no hard figures on the number of empty plots and abandoned homes, and estimates vary wildly, going as high as 100,000.

The home with the active mortgage holder can be purchased conventionally, no problem.

Of course, the intent of these laws was not to target small private holders of mobile home notes.

The owner or lien holder may contest the sale in court if they weren't properly notified by the clerk of the sale but other than that they're done.

So, it's important that the bank is consistant and the account holder is aware of any charges.

The food. . .my god, the food! 

Voting just adds to your justification, you can only vote based on your residency in a district, declaring that for voting is just a justification as we don't have voting requirements to be registered.As to zoning, if you have a bed, a means to prepare food, personal items like soap and a toothbrush, a place to sit, a couple changes of clothes in a closet, no city or county type can give you any flak or claim that isn't your address, nor can anyone else.

In essence, you will be filing a lawsuit naming as defendants all prior owners or interest holders in the property in the past 18 years, which is the statute of limitations for adverse possession in Georgia.