The debtor may be faced with taxes since the IRS sees a debt settlement as an income or gift.

It really is a gift.

And so far I have Happy bday gift to me!!

I have the work ethic, I have the drive, but a corporation got all the benefit other then a few bonus checks a year and a $25 gift card to the local grocery store during the holidays.I want to take care of my wife and children.

You aren't allowed to borrow your closing costs, they can be a gift though.  

If I really wanted something done fast I could order title at 8am and have a full title commitment by 4pm that day and close the next.. our title plants are all digital and each title and escrow company has a plant in the respective counties.. we get GREAT title and escrow service here.. and its UBER competitive.. do you ever have your title rep come over with gifts and take you to lunch.. ???? 

Are the extra boxes just due to Christmas from them buying gifts and having them delivered?

This comes up frequently when some uncle or cousin puts their nephew, etc, on title to an investment property as a "gift" to them.

Scott Trench - National REIA has a 2% back rebate gift card program with Home Depot for combined purchases over 6,000/6 months and 20% (top) off Behr / all paints all the time.

I try to not leave anything, because when they leave they better not leave anything, not even a hanger.We do quarterly inspections and change the furnace filter during that inspection.I like the idea of the shovel, ice melt, plunger, but my experience has been if you leave them a few gifts they will leave you a few more.