My name is Phillip Cailey, I am the Accusations manger and Broker for Cailey Capital.We buy Seller Financed or deed of trust notes for our portfolio.

For me, egregious would also apply to situations that challenged my wits, caused me great stress, required me to hire an attorney, impelled me to make amends to neighbors who were harmed, etc.

Put it this way: my professional is an expert witness in credit-related litigation, testifies before Congress, recites the FCRA, FDCPA and other legislation as well as case law from memory, quotes the congressional record the way others quote The Bible and sits on 12 credit industry committees, 5 of which he chairs.If you think you're more qualified than him to repair your credit, go for it.

Accusing a fee manager of "GOUGING", (all caps), probably goes a long way to ensure a suppressed response by lots of people who may or may not agree with you.

I want to make it clear I'm not accusing anyone of anything, just seeking guidance.I recently made a post about terms on conventional financing, and through that thread was messaged by a BP member who said they had a great lender, and said to send them (the BP member) the details of my deal and they would send it along to their lender.

Having been interviewed and quoted as saying things I never said...having been at events reported and found the report was so different from what I witnessed, I wondered if I had some double I of whom I was unaware;  I wondered if I was really at the event at all.I've seen the "man behind the curtain".News is in the business of garnering viewership/readership to sell advertising. 

I have witnessed it first hand.

You will witness other cases and get a ring side seat as to what other landlords go through. 

You will find better value in SA for house hacking, you can get some appreciation w/it.   

I've been an expert witness in construction fraud and owner/management abuse and bullying issues for over 2 decades and have testified against abusive landlords on countless occasions and have yet to see them come out on the winning end.