There are IRS rules you need to follow to escalate the process (I believe at some point you bring the IRS into the loop as well to “motivate” the contractor).  

It has now escalated and I have not received the deposit for Nov or Dec and am having a very tough time with this altogether.

I think think there is tremendous upside there.

This process helped us tremendously as only qualified prospects who were still interested in the unit paid.Some states like Texas you have to give prospects list of your requirements and have them sign before collecting an application fee.

They will escalate your case higher so that you could get unbanned.

who's actually out there in Vegas should be of tremendous help to you.

Wow --I'm learning tremendously reading the above discussion.  

One of my criteria is can I escalate the payments and pay off the house in 10 years?

I've taken all of your advice and it's helps tremendously!

Thanks Michael,The Debt collection agency said that I was "stepping into the shoes" of the old owner and taking on their debt but I assume that they were trying just to say that to scare me.What matters to me more is that I don't want this to escalate and have a lien place on my property eventually.