Legal Implications & Ramifications : As an example; the iconic PCH homes in Malibu and many in the upper foothills might not permitted to build back, certainly not to the same extent or materials.

Yes, it is debt tied to a property she owns.

If you need help with the process, you can contact Consolidated Civil Enforcement - they have a ton of experience helping landlords through the legal process.

I agree with @Shawn Ackerman I would start applying the cash flow to debt pay down.!

An LLC is useful for two things: anonymity and legal protection.

So your debt is currently $3000 per month and your property earns you $1000 per month? 

We own 3 other rental properties that have a 6.5%-7.5% APR, and no credit card debt or any other high interest debt to pay off.

If you're looking at a debt service loan, 15% is the minimum for a purchase but it's much more common (and rates are better) at 20-25%. 

The cleanest route but the least attractive method for most investors is to have the investor provide debt.

Are they going to start paying down that credit card debt, turn over a new leaf, and avoid bankruptcy for the next decade?