Also, people think a letter is only required when they reject or decline somebody, but the FCRA requires that information be given to the applicant for any any adverse action.  

@Chalawndra JonesYou do not need to hire a PM if you have time and want to do it yourself, but there is a lot to learn and take into action.

@Blake Reynolds - Congrats on taking Massive Action.

Many first time investors wait for the right action plan and this is where you could use the help on investment companies for the right guidance and knowledge.

I know that there are a couple of meetups that happen in the south side and a good course of action would be to start networking there.A good way for someone to get started with bad credit and not much money would be to focus on finding deals and then partnering with someone that has what you don't.

Moreover, consumer debt levels seem to be manageable.

I have held properties individually for over 40 years, when, only a few times was I ever threatened with any legal action.

A court-ordered sale is often the result of inaction, or tardy action, by the executor/PR. 

Also, great job taking action.  

I will look for action in the last 20 min.Thanks @Tammy Vitale.