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To answer your question directly, the moment the other party breached any of the terms of the agreement, especially payment, you can 'accelerate' the loan and demand that it be all paid at once. Whether or not she forfeits the money is based on how your agreement was worded--most do allow you to keep the funds as liquidated damages for the other person's breach, but it is still heavily contingent on the language. In that situation, especially if the vehicle is still under your name, you can formally file for an eviction. I am not clear on why you'd want to foreclose if the lot is still under your name. This isn't criminal, this is a civil breach of contract. Where you go from here is that you review the terms, and send her a letter calling the debt and giving her time to leave. Then you either evict or your foreclose, you cannot do both.
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