Then, she did not get any letter from the tax guys.

Then, she did not get any letter from the tax guys. An expert , please , I don't want to be involved in a mission imposible. They are going to have a huge tax refund this year that could be applied to the debt. She is not explaining in a plain english how the problem happened. Unless something comes on the market that fits our budget and specifics it looks like we are going to be building in a rural area. Perk test ?? Should we do this as a contingency? Most systems in the area are aeorobic. Most of the properties have public water, but what if the one we want doesn't.