No offense intended, but if you are asking this question in public forum, you may not be there yet.

To each their own...no one can make you and I appreciate you not taking offense to me butting in.  

Thats a 5k fine in the first offense.

Nothing offensive, but jokes that play off stereotypes to disarm people.

@Jamie S.has a good list, but, and no offense Jamie, every place is different on pricing, he lives in North Carolina, where you are in California, i can guarantee that costs are different in those two states. make a list like Jamie's and invite your contractor to Lunch ( we like free meals ) and get some rough prices by the square foot, by the square, per cabinet. then you will have something to go by when you walk into a house.

@Elena Jobsonand @Alex Frankssorry if my use of the word druggie was offensive.  

@Skip ReathYour house rules should outline procedures, for example, first offense = a warning, second offense, = $150 fine and so on.

As long as I'm not intending to be offensive, why worry about ticking them off or embarrassing them? 

CR review:  look for 30,60,90 lates - - this is real life for this prospect (should be none for 6 mo)look at collections - - how far back is the NEWEST onewhat kinds of accounts are being stiffed - - utilities, cellphones (ouch).Look at Public Records for the codes which you can look up for the offense.

Not to be offensive, but you say "I'm afraid of wasting time," but if you keep just education yourself without taking any step, then you will ended up doing what you are afraid of.