All of this was detailed in Promissory Note.  3) Every time he makes a payment, I send him an updated balance which shows all payments and the decreasing balance as well as due dates on upcoming payments (easy Excel spreadsheet).If he were not to pay the challenge then becomes trying to collect. 

I'm surprised it's a challenge.

Following this has been a challenge of mine as well...

Challenges?

Challenges?

Challenges?

Challenges?

And the former owner has their rights under the law to challenge it.   

Stepping out of the victim mindset is a constant challenge, especially when you have had adverse situations happen through no fault of your own.

Challenges?