This is spite of the pretty overwhelming body of evidence that positive reinforcement is more effective.My general approach is not toward either positive nor negative reinforcement, for the most part.  

Now I have to get a release signed by her to turn over to the title company to get the money back.

I've RARELY seen that happen in cases like this; especially since I'm more than certain that the driver of the vehicle will also be represented by his company's attorney(s) too.What a lot of people may not realize is that while the insurance company has a responsibility to their policyholder to handle their claims, they also want to ensure (generally) that the claim is completely settled and that the claimants can not pursue their policyholder for deficiencies (hence them getting releases signed).

I like Google Plus over Facebook.Here's a guide.Google Plus releases their official PARTNER PLAY BOOK!

i have a question regarding phantom houses. i have bought and sold a few phantom houses. most of the time, i find it easy to find the previous owners and make a deal. usually, this involves a trip to the city or county record of deeds office. lately, i have found a few of these houses, but doing my research, i have uncovered nothing regarding legal action by the banks that are foreclosing. i have one house i have had my eye on for over a year, yet the bank hasn't even started the first step in foreclosing. the people have moved out, but that was in 2009. the bank isn't even paying the back taxes. no foreclosure proceedings have started, no judgement of foreclosure, no release of lein, nothing. another house, the owner moved out about 4 years ago. i know the bank is having a company called " corilogic" pay the taxes, but there is nothing in the record regarding starting foreclosure, no foreclosure judgement, no release of lein, nothing. my question to anyone who may know. " what is going on here"?

Do not rely on the implicit assignability of a contract, because that won't release you from liability (there are now two responsible buyers -- eek!).

I've always gone back to the borrower and gotten an authorization to release info.  

Nope, if the neighbor helped build it he will likely have knowledge and will probably claim that it was with his consent, and consent may be withdrawn in the future so no adverse stuff here.You could sell subject to the encroachment, but a lender won't lend until the matter is released, he doesn't have to sell, but give an easement to run with title, at least a bit longer than the term of the loan sought.

Get the best option price you can and then let your buyer try to improve on it  to where it is a deal for them if it isn't already,  and if he makes a deal you release the option in escrow for a fee. 

Every states different, and some states it is better to use an option release document instead of the assignment agreement.The tenant buyer NEVER gets possession unless all money is delivered.