From press releases, their (Quiznos) bankruptcy shouldn't affect the independents directly, but is a clear signal to be careful.

Also, I've developed relatively sophisticated referral-based selling strategies that that require me to educate the referral sources and show them both to how manage the client's expectation(s) and more recently, very specific ways they are to refer the client.So, I utilize offline and online advertising and, obviously, give a lot of thought to each and how they fit in the overall marketing mix.I like direct mail, inbound telemarketing, well-placed, industry/profession specific print ads, direct mail, paper & ink newsletters, public speaking, press releases, blogging & forums (limited social media), direct sales (in person), some conferences and specialty advertising (mugs, pens notepads) and a few others I won't mention. 

If I could have flipped it for a $300k profit I'd be hard pressed not to take it.

I actually offered to help him on the bench press when I noticed he was grabbing his shoulder in pain.

A small rock stuck in a shoe, pet claws (just from walking), and any kind of rivets/zippers/buttons from clothes pressed into the floor can damage it easily.

@Rob Gribben   Rob, if they press the issue on payment you can contact his liability insurance and they will have a third party inspector look at it.

That is a great point, and something that should be explored further.If you could secure seller financing with only 10-20% down, and the terms are reasonable, you would be hard pressed to find anything better in the conventional market.For larger loans (2M and up), even if you can secure a low interest loan that is 20+ years, there are a LOT of costs associate with those loans.

Meaning there are so many factors going on at any one time it is tough to pick a bottom or a turn in the market until it is several quarters behind us.So all of this negative press is just part of the process and we will have more pain.

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For those of you who believe the CFPB will not go after small operators, or that MLO's are experts on regulation that can protect you, consider this excerpt from a press release:The CFPB found that David Eghbali referred a substantial number of loan closings to a single escrow company, which shifted its fees from some customers to others at Eghbali’s request.