I have several debits coming out of my credit card monthly.

He can't show any n I dont have receipts but I do kno I used my debit card for alot of the things NEEDED.

I have at times purchased materials up front but never pre paid for work. 

Otherwise, they think all damage is pre-paid.

If the dad is paying it all, get him signed up for automatic debiting and payment should not be an issue.

Only pay for credit repair via a credit or debit card which gives you the protection of doing a chargeback if the services are not rendered.  2) Can they provide video before and after examples of their work?

Good idea Matt, if pre paid rents are allowed in that state, make a new lease $50 more, then pre pay $50 bucks of the increased rents.

Points are prepaid interest. :)

Legal Shield (formerly pre-paid Legal) quoted $300 which is a 25% discount to what they usually charge. 

for a primary residence LTV is 80% cash out refinance80% of 105,000 is $84,000 cash out amount (minus closing costs)If for example you paid 50k cash and 55k heloc to pay for it, then that would result in us first paying off the 55k heloc, and leaving $29k and a zero balance on the HELOC"The new loan amount can be no more than the actual documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees, and points on the new mortgage loan (subject to the maximum LTV, CLTV, and HCLTV ratios for the cash-out transaction based on the current appraised value)."