Jokes aside, i am a people person in way that I actually enjoy helping people, it's not a painful thing for me it's personally fulfilling.

Many people get suckered into paying cash, and then the contractor disappears.

If you could finagle such a device, I suspect you and it would disappear rapidly to somewhere Indies Ark of the Covenant is kept, lol. 

I had to actually chisel through concrete to get to the fixture, took three days to remove enough concrete to replace the fixture, it is a pain and I hope yours turns out to be leaky faucets.

Having lived abroad myself for many years, I can say I underestimated what a pain taxes would become. 

@Jay Hinrichsright - but she did say "the renter wasn't paying high enough rent to cover Kiavi's requirements"so i remain confused.before BK or FC, i think worth (1) talking to an attorney to see what she signed with Kiavi, and (2) calling another lender (or better yet, 10) and seeing what's availablea few hundred for an attorney and $500-1000 for an appraisal - painful to keep spending but i think worth itstill missing info here

To answer your question, yes, I qualify for these helocs using full income documentation, which is a pain.  

Find one that adds value.Your first statement is spot on and a better way to articulate why I find agents painful. 

Usually the first mortgage forecloses which wipes out all the lesser priority stuff, but those don't just disappear if you redeem!

They will disappear in the middle of the night without notice.