But I thought next year the tax form was going to be the size of a post card?? 

QBO is able to set up recurring payments with card or ACH transfer.

I used credit cards and personal loans to finance the cost of repairs.

Don’t start stoopid and forget to change your drivers license, bank address, put all the utilities in your name, lie to the county property tax collectors, make sure your renters are willing to lie for you to, and never piss them off since they could blackmail you, make sure you declare rent for your current property unless you sell it, since it’s not your residence anymore, change your address with the irs and your employer, and your credit cards and the credit agencies, voter registration, that should cover most of it. 

If it's just non-existent, you can get a credit card and start using it for monthly purchases such as food and gas.

I am suggesting that simply claiming to be a contractor, in TX, means nothing more than they have a business card.

For accounting/ book keeping, check out quicken home & business desktop software, which has a rental module to allow you to download all transactions from your bank/ credit cards, then tag transactions by property and categorize them by IRS expense category.

Keep in mind you will want to buy drapes, lawn care tools, washer/dryer maybe, etc, etc.They will look at both your "front end" DTI (Debt to Income Ratio) and your back end DTI which includes car payments, credit card payments, student loan payments and other debt that won't be paid off in the next six months.To improve your credit, as soon as you get your discharge, apply for at least two secured credit cards for at least $200 each.

Hubby says they make enough money but just cant figure out how they get/got behind.. to me its basic math to others its a challenge and we know that 2 to 5% of borrowers are challenged this way and go into foreclosure for a myriad of reasons some is legit.. loss of job  health etc.. but many is just mis management of income to expenses.Consumer debt for these folks is what I came to believe is the real killer.. too easy to buy expensive cars too easy to buy motor homes and campers with the 20 year payments.. boats etc.. or just whipping the credit card out .. renters it seems are more human condition.. drugs alcohol  baby daddy broken family stuff .

Is it due to her not being able to pay the mortgage or is it a different debt company that is trying to collect on her home(like credit cards or something)?