If you paid ACH, then I don't think there is much you can do.

The site also allows tenants to pay with ACH for free or for a fee, the tenant can pay with a credit card. 

Only two payments I did not have to send a reminder and it was never set up for ACH although I have asked several times.

You can file a Chapter 13 which will protect your home and its a clean way out.When you file a CH.13 BK its not the end of the world it simply protects your home since its your homestead from foreclosure.

Because the rapport I built with the seller and the property is pretty much a dump, seller is ok with whatever happens as long as they will be released from the head ache.

Checks come in ACH monthly and I love it. 

So he pushed harder, put his shoulder into it, and he's a big guy, 6' and 240lbs of more muscle than flab, and he said he got further in that time, but he said that something pushed the door closed so hard that he fell back on the stairs, and all the lights went out for a few seconds, and he heard the door upstairs slam shut again.

What helped me learn real estate investing was just analyzing as many properties as possible to build the muscle. 

Practice regularly so your muscles are strong and fast.

But its full service banking we have all our companies cash there.. as such we never pay for any services either cashiers checks wires  ach and you dont have to talk to some customer service person on the phone.