I'm not one for New Years resolutions cause I'm like the rest, set an arbitrary goal and forget about it in a couple days.

My 2016 resolution is to have a property bought and rented in the next few months.I have realized that my financial situation is not so uncommon and I can overcome any obstacles in my way with help from all of you.  

Landlord friendly States enforce contracts such as leases fairly and the courts allow quick access with quick resolution (i.e. eviction) if necessary.

i have been in and out of BP for a long time and i am curious as the year is ending where what is your new year resolution for the next year weather it be just making more flips or just creating a better team.

If you acknowledge the debt or make a partial payment you re-age the debt again.420 Is very, very low.Once  a year you get a free report www.annualcreditreport.com You can dispute from there accounts although they do not give you the credit score it doesn't matter.

They could conceivably demand thousands from us, and we wouldn't know how to dispute it.

Minimum of 2 trade lines are required No more than $1,000 in disputed collectionsMust be all on time payments in the past 12 months of mortgage historyNo more than $2,000 in collections ........

I have to decide today, and short of hiring my own attorney to dispute it, I'm at a loss.

I haven't called him back yet, but will, to try and find out more.....BUT, the first would seem the biggest stumbling block.I did a lot of negotiations in a prior life, including as a settlement conference judge and mediator, and was pretty successful in getting people to recognize the financial disadvantages of not resolving their disputes instead of going forward (in those days, to jury trials), but the lawyer for this lender seems uninterested. 

Generally, whenever personal and retirement funds are pulled together in an investment - you open the door for the IRS to dispute this transaction as prohibited.