There was an article published in Sept 2024 that showed the average consumer would save over $10,000 by working with a broker vs a direct lender over the life of their loan.

This negative position can consume years of cash flow to recover.

Most blinds are tough and time consuming to clean, prone to breakage/creases, strings break and get stained etc. 

High property prices mean fewer people can afford to buy, so more people rent.

2- if there is a “problem” Will the “solution” discussed solve it in a cost effective, consumer accepted way?

I'm SURE you mis-spoke and meant to say, he's a close friend that I am trying to help but it was not my intention to "fix his credit".Debt Relief and Credit Repair Scams"The FTC has brought scores of law enforcement actions against these bogus credit-related services, and the agency has partnered with the states to bring hundreds of additional lawsuits"SOME CASEShttps://www.ftc.gov/news-events/topics/consumer-finance/debt...Financial Education Services (August 5, 2024 )Panda Benefit Services, LLC., FTC v.

I have mlo in Oregon and it’s the division of consumer finance and corporate securities. ca probably has a version of thathowever I did all my loans with my ca brokers license  

Wholesaling can definitely be very time consuming, but it is possible!

Instructing or deliberately causing a borrower to sign business-purpose loan documents when you know the money will be used for consumer purposes has always carried civil liabilities.

,We discovered over the course of this discussion that more smaller extra payments produces less benefit than fewer, larger "chunks".