Dear Edith: We are looking to take over payments on a home. The owner just wants out from under. We will have the option to buy in one to three years. What do I need to do to make this legal for my protection as well as the owner? — J.

Answer: You're right to take precautions before you start paying off someone else's debt.

You want written assurance that the owner won't put more mortgages on the house, that property taxes will be kept up-to-date and that you agree about w ...

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