Remember the first paragraph, before you go into details should be what you want. like"i want the charges for this GURU company disputed and taken off my bill"   Write that Before you tell them anything and say the same thing in the last sentence of your letter. as"Please assist me by taking these disputed charges off my bill as I was not given what I was promised and I was over charged and taken advantage of and pushed into extending my credit card limits and I have no money to pay these bills, and have no way of getting this money.bg

Here is the sentence in my HELOC: Trustor agrees that the nature of the occupancy and use will not substantially change without Lender's prior written consent. 

Your last sentence gave me pause.

Not sure if that last sentence can be made truthfully when that earlier sentence is true.

Ali, I'll give you some credit for that last sentence and because you earned my respect when I first found your blog and started reading it.  

or do I need to dive deep into specific charges, sentences and how long ago it took place.As I've been reading and thinking about this, I am leaning towards not screening with #1 and just wanted to ask the community before I dropped it.

One sentence that explains the whole strategy.  

After Google-searching the owners of record, one article even contained the sentence "such-and-such is survived by cousins and a few friends."

Perhaps it's useful for those who struggle to write even basic sentences correctly.

Per the numbers in your last sentence, it wouldn't qualify for full tax deferral because you are not exchanging up in value and would create boot.