We pay for leads through z buyer and cashhomebuyers.com.

HI @James Z. 

Hi Carol Johnson The eight points of ATR are http://www.consumerfinance.gov/regulations/ability-to-repay-and-qualified-mortgage-standards-under-the-truth-in-lending-act-regulation-z/#guide

Now, your best defense is knowledge-- know what a  reasonable price for X/Y/Z is, and have the knowledge to say no, why you don't need it.   

@Tracy Z.

@Charlene Isoh When you say B- on what scale is that; A,B,C OR A through F, or A-Z?

Thank You @Brandon Z.!

@Anthony Z. first off, your W4 is the form in which you determine the number of allowances you should claim so that your company's payroll department can then determine how much tax should be withheld from your paycheck.Your W2 is the form you receive at year end from the company which provides an earnings summary.

Thank you @Faisal Z.  

Originally posted by @Martin Z.