She'll do what she wants away at college anyway." "Exactly Frank. Mrs. Prentiss has even called me and suggested that it might be better if Tony att...nded school as TONI for her senior year and again with the school board's blessing." "What's wrong with those people? Don't they know she's a boy?" "It seems that is only a technicality at this point, Frank." "Fine, but if she starts coming home black and blue, I'm not going to defend 'her.'" "Frank, if that were going to happen, it would have. " Howard nodded, so she continued. "When you borrow money and use the property as security for a debt, you still own it, but the bank has a lien, meaning they have a claim which they can enforce if you don't pay the debt. That's what you would call a foreclosure and the bank could sell the property to collect what you did not pay."When you pay off the debt, the lien is released and the bank's interest goes away. If you don't pay taxes or home improvement money, it acts the same way as the. More

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