Judgments & Liens (1-hour) How judgments arise and attach to real estate; collection and the statute of limitations; the identity of the debtor; effect of multiple ownership and entity ownership; effect of bankruptcy, death of an owner, foreclosure; how title insurance impacts collection and affects settlement timing.

Divorce and Bankruptcy (1-hour) Be informed and understand the effect of both divorce and bankruptcy on real estate transactions; to recognize what information needs to be solicited at initial contact with the customer which might prevent delay in the settlement process due to divorce or bankruptcy issues.