I am a big fan of 2 step approach.We plainly state on all our marketing that they can call 24/7 recorded message.

For that matter, a similar situation could happen with a plain vanilla rental where the owner didn't make payments for whatever reason.

I wore out my Carleton Sheets CD's and am sick of Dean Graziano's voice.

I am going to try my best to make it plain & simple.

An acquaintance lost his job, moved out of his condo and rented it out. 6 months passed and he was sick and tired of being a landlord so I proposed an L/O.I took over his payments and agreed to buy it within 2 years for the mortgage balance.

We both have full time jobs at the same large, nationwide bank, and we're sick of working to make other people rich.

I am sick of waiting for the right time!

Also, call a small local collection agency... and sick em on em.

I drive a plain white Toyota truck (not the Lexus which we bought very used for less than the truck, but which we've found causes a negative reaction.)

I wouldn't have caught it but one day I was sick and saw the debit appear.