The benefit to a short sale is it stays on the credit for less time than a foreclosure or a bankruptcy.The student loans and IRS taxes are generally 2 items you cannot get wiped out in a chapter 7 bankruptcy.From what you have described it sounds like depending on how much debt you are carrying a ch 7 would be best to wipe out everything and then pay off the student debt over time to get debt free.Promissory notes are a constant reminder of a deal gone bad and you get no emotional closure to move on with your life.As far as the taxes go there is an insolvency form that at the time the debt was forgiven you liabilities exceeded your assets therefore you owe no taxes on the forgiven debt.Publication 4681 form 982No legal advice

This is after a Ch. 13 bankruptcy, but the owner is still recorded with the county and the bank has not foreclosed. 

Mike you have what is known as a " Partial Stoppage"In simple language its a "real Stoppage" getting ready to happen.I strongly suggest you get the person responsible for the maintenance of the building to get a video pipe camera inspection of the main sewer line.These symptoms tell me there could be a really big problem down the road if not remedied quickly .Better take the bitter medicine now and fix things than suffer the consiquiences of a major raw sewage backup incident laterDave Doyle.PS Once you sewer line issue is resolved I would reccomend either a Kohler Wellworth or Gerber Avalance Tank Toilet.Very reliable ,,,,,hope this helps,,,DDLos Angeles

I just want her gone she's a head ache.

Yes, we had a tenant say a vendor swiped medicine.

I would say find a more secure ACH that specializes in rent payment collections.

Best to set up ACH or something similar and try "we won't raise your rent if you set up online and pay by 1st or something similar. 

They however allow ACH transfers for online tax lien auction participating.

I just noticed a new website sparkrent.com that seems to offer a very easy way of collecting rent via ACH deposit.

ACH payments are available by many 3rd party services as well as your own bank (commonly referred to as a treasury management) service) There is always a small fee involved but the funds are most commonly transferred to only one account or an additional fee involved for selecting multiple accounts.