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That would be the actual legal owners and what they did to the property when they owned it and to whom it was passed by devise and descent.’ ‘You want to tell that to me in people speak?’ Gail took a deep breath and began to explain, allowing Howard to ask questions so he could understand. ‘To start with, you need to understand that ownership of land in a state is controlled by the laws of the state where it is located.’ 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 bank’s lien. The debt and release become documents affecting ownership. ‘Now. Would you like me torepeat the list?" No..... no..." he blurted and lowered his eyes as he answered herquestion, "house-parlourmaid." House- parlourmaid," she repeated in a raised, superior voice andexchanged a knowing glance with her colleague. "Excellent, that wasn'tso difficult, now was it?" Now is that under housemaid or head housemaid?" she continued theinterrogation as he continued to squirm in his chair."Under house-parlourmaid," he mumbled."Oh Kirstin don't be so hard on the girl.... Oh I'm so sorry," Isoldesaid smiling apologetically at Robert. "I mean boy of course. You'reforgetting this must a little embarrassing for him, answering questionsmeant for a servant girl."He smiled gratefully at her intervention sensing that at least sheunderstood his predicament more than her colleague, she continued."Don't worry my dear we are almost finished," she added in a patronisingtone, "now tell me is your position a uniformed one?"Robert suddenly felt the queasiness in his stomach.
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