In addition to the above questions, could anyone please advise a good attorney and collection agency in College Station, TX?

It restricts the collector from disclosing the borrower's debt details to anyone except the borrower, their spouse, or their attorney.Gramm-Leach-Bliley Act (GLBA): This federal law mandates financial institutions to protect customer privacy.Fair Credit Reporting Act (FCRA): This law regulates how credit reporting agencies handle borrower information.

Credit Unions can be great but you're at the mercy of their individual guidlelines and old school Underwriting "gut checks".We(Lower.com), offer HELOCs on investment properties and 2nd homes, we go off of the "Agency Definition" of a 2nd home which is "occupied for some portion of the year".

Also, in a mainstream asset class like value-added multifamily, I see no reason to take a risk on a sponsor that doesn't have full real estate cycle experience or that lost anything more than a small amount of money (and prefer no money lost).

This doesn't seem correct to me as the way I understand how collections works is the collection agency now owns that debt. 

In either case a collection agency won't help.  

Talk to Kris over at Anderson Agency. (812) 887-0443‬We use him for all of our insurance needs.

Abernathy Insurance Agency is Arcadia-based and was highly recommended by a commercial broker.

Also, in a mainstream asset class like value-added multifamily, I see no reason to take a risk on a sponsor that doesn't have full real estate cycle experience or that lost anything more than a small amount of money (and prefer no money lost).

@Matthew Finamore - Reach out to Steven Turner with Morris Insurance Agency, LLC.