If, through markets, or a spike in vacancies or maintenance or interest rates, or local economy, your debt stops doing that then it is bad debt.Thoughts?

With that said, there is something about the interest rates spiking that has my wheel turning.

This device monitors usage, so it would (should) recognize the large spike in consumption that a main break would create. 

We are in the process of upgrading our fences to 7' iron with spikes, as chainlink is child's play to cut and enter.

W2 income is supposed to be averaged over 24 months when determining income for a mortgage - this is done specifically to account for people who have spikes in their income.

Hi Peter,This is a good article, Papersource is a wonderful resource and event, and the author of the article is a well heeled investor.That being said, the process of buying non-performing loans downstream is a non-issue.

I was overwhelmed, but dug my heels in and tried to hang on.

Electric can also spike in the summer with A/C.

TransUnion: HELOCS to Spike 30% in 2017

Personally, I have a lot of knowledge about crime issues in the area, and many locals have for years been associating section 8 with spikes in local crime.