Update: I have discovered that it was not actually a loan, but a lease with an option to buy (which they could never do because they could not afford they lump sum). The lease clearly states that if they fell behind in payments for 90 days or more the previous payments would be considered...
My father-in-law died in 2007 with a will leaving everything to his wife, who died in 2008 without a will and no executor. They had four adult children. The only estate they really had was a small property with a mobile home on it, and they were making monthly payments to a realty company for...