I agree with costaricafinca, it is not a cut and dried process like in the states (if you aren't using robo-signers that is!). Just about anything you do through the courts can take a couple of years or more. Why didn't you ask this question before you took the paper? I'm curious, too, how much interest are you charging? Anything less than 3% per month would have been a bargain for any Tico buyer. They could do better at a bank, maybe, but if they could get a bank loan then why come to you for the loan?