Would hate to be old person on a fixed budget buying medicine and paying higher rates to support free health care for non citizens.Etc etc.      

@Dan Porath I use a property management software to collect rent payments and they too charge 2.75% for credit/debit card transactions, while the charge for ACH is $2. 

Bonus is they have free ACH payment service for landlord/tenant for when you find a tenant and want to get paid rent.Smartmove.com also lets you email the credit/background request to the tenant, they fill out the info and then the service will email you the reports once tenant pays for the reports.

I'm using cozy, there is a 7-10 day delay on deposit if using ACH but it's free to both parties.  

Exactly so now you have this BP podcast and book about how to do it remotely just going to be some heart ache here no doublt about it.. you will have folks all charged up to create their rock star teams only to end up on the rocks.

The contacts you make can be worth the head ache.

Do you know if it's a Ch 7 or a Ch 13 BK?

From tracking lease details, auto payment by ACH and cc and more. 

(Medicine, Law, etc)My personal belief is that you should pay off your debt.

UCD (university city district) is home to UPenn, CHop, Drexel U, and Penn Medicine. 2/2 apts rent for 14-1800 a month, 4/2's are in excess of 22-2400 a month (courtesy of www.rentometer.com) ARV's of dupes and tri's in the neighborhood will go from the 400's up to the mid 500's.