title. A holder of a certificate has more rights than a mere lien holder. As mentioned above, a certificate holder may obtain title to the entire property after the redemption period expires, while a lien holder’s interest is limited to perfection solely in the amount of the debt that created the lien. The certifi-catfe holder may enjoin waste on the property. 35 ILCS 205/253(a). We know of no Illinois rule permitting a lien holder to do so. Further, a holder of a lien is generally a preferred creditor of the estate, while a holder of a certificate of purchase is not. Midwest had no right to compel redemption. Midwest’s only remedy was to obtain a tax deed. Thus, Midwest’s interest is not that of a creditor. See In re Wells Properties, Inc., 102 B.R. 685 (Bankr.N.D.Ill.1989) (<HOLDING>). These Illinois decisions strongly suggest
holding that the term reverse payment is not limited to a cash payment holding that the certificate of purchase is not a claim because it does not represent a right to payment holding that it is not holding that an insurance company that does not deliver a policy to a certificate holder is estopped from asserting exclusions contained in the policy but not revealed in the certificate holding that because exclusion was not provided to certificate holder terms of the certificate controlled