This actually happened to my primary residence...My neighbor recently enclosed his back yard with a standard 6' wooden fence.

., and let everything go to collections.To file a Chapter 7, you can't appear to be racking up bills that you intend to file on. 

If you don't they can issue huge fines (usually by the day) and if those rack up and dont get paid they can put liens on the property, which after a time of non-payment they can foreclose on your property and take it from you.

He have very outdated wooden windows.

I'm thinking California Bohemian style house with lots of white, black trims for contrast, and insert some wooden accents somewhere to add warmth.

I’ve painted every wooden cabinet in my house with it.

Also, put up towel hooks on the wall across from the toilet and a hotel style towel rack over the toilet, and a new light fixture over the mirror--  the existing fixture is too high.

I played basketball in college but still managed to rack up student loans that I have not paid back. 2) I became a realtor to make more money; which I did.

Nothing really...... its always still a little nerve racking with a little voice in your head "did I pick the best one", but that's about it.

Assume both properties racked up $4K in additional minor service calls and fixes during 20 years.6.