Trying to scare or intimidate or threaten or coheres a debtor can be construed as unlawful collection practices, by phone or in writing.

What is or is not considered practicing RE without a license etc....

I agree with Paul - practice is key.

My question is: I talked to an attorney in Ohio about doing a "subject-to" deal and was told A) There is no 'subject-to' in Ohio, B)It would have to be a land contract but the rules are different because of the exsisting mortgages and C) That I HAVE to use an attorney for EVERYTHING or risk getting in trouble for practicing real estate without a license.

You'll spend $1+ of your time just trying to filter through the leads.D4D is a numbers game, just like all direct mail campaigns are.Here are a couple of things to value into your $1/ea letter:If the person calls and tells you to bug off, then is that worth the $1 to practice phone etiquette?

Two days before closing the lender's attorney wants us to sign docs waiving any benefit of discharge under Chapter 43 of the Texas Civil Practice and Remedies code and waive all rights to contest deficiency under Texas Property Code 51.003, 51.004 and 51.005.

OK, I'm a total newb, but I've been practicing running numbers.

The designation will keep you out of trouble in regards to doing unlawful practices.  

Account Closed Creating one (at least) LLC for your property is pretty common practice.

I like all of the above advice, particularly interning with a local investor, which will provide you with plenty of practical hand on experience.