None of the new members will read this section and see what you are trying to say,sadly, but also it is reckless from buyer not to check the account for active loans.
Every loan provider is making loan requests public, and quotes them for future reference so that it cant be deleted or denied later on, and when you are buying an account,
you should always also use escrow, so that you can cancel purchase in case of problems.
But how can someone buy an account which is already involved in a loan, maybe not as a collateral but anyone would check about the account before buying it, it's not that everyone's that stupid to just come and say, "I wanna buy it, take yo 0.2 and gimme ya acc."
It's surprising, but there are people "smart" enough to make such dumb purchases; their loss.
cheers