Yes, dear Besty (and peace to you!), I totally understand and, again, I apologize, as I "assumed" and shouldn't have.
BTW, it is the Abstract that you file as a lien on the (current) property... which escrow will pay (if there's any value in the home) if/when she sells. In Farkel's scenario, most probably his debtor was also selling a house while buying another... and in order for the NEW owner (of the OLD house) to get CLEAR title... the lien had to be paid (this was probably not a situation where the landlord was upside down on the mortgage).
Where the owner is upside down, as in your case, she can file bankruptcy, in which case, if she lists your debt, it will be discharged... because it is not taxes or student loan. Personally, if I thought there was ANY possibility that she MIGHT file bankruptcy, I would try and talk to her about that FIRST... before I started incurring legal fees that I might get stuck with.
Just my, well, $0.10 now, I guess, as a "friend."
Peace to you!
Slave of Christ,
SA