I would hire an attorney and write a cease-and-desist letter.

I am early into my career as a medical doctor (currently in residency).

As a lender if you make a loan in Oregon with no license / and it was deemed required you will get a fine and a cease and desist and the borrow can sue you and usually ends up only having to pay the principal back there was a large Seattle based HML that did a bunch of bizz in PDX and got caught in this major egg on their face. 

They thought they wanted to become an MD, since they enjoyed those courses so much, but when they got their first experience working in a hospital, they quickly realized that they hated working in a medical setting, and that they would be a terrible doctor if they pursued that path.

Your parent's medical bills may be an unforeseen hurdle, but the credit card debt was deliberate.

I liked it so much that I left my job in medical sales to join the company that specializes in this loan. 

OK I been checking that pet screening service out and I think these fake ESA people would be able to still fake their way in to my apartments if I used them1) there messaged me back indicating to me they might accept letters from NOT limited to licensed heath care professionals. 2) no phone number to talk to the pet screening company Once they allowed letters from people who are not licensed to medically diagnose (they said they would accept a letter from a  social worker), they moved beyond what FHA wrote as guidance.

College and medical town.  

Also ask about the clawback time where Medicare will take all that money to pay for her medical care. 5 or 7 years I think?

Do you look for properties close to schools or medical facilities?