Without us knowing him there is no way we can tell you if the $500 is worth it or a complete waste. 20 hours of instruction from a crappy instructor would still not be worth $500.

If you are building rapport, taking in all the details and managing that info on a database you are doing the right thing.

Mike, you're speaking as if you have such a situation, if so please give details.

Most of the HOAs I've dealt with use attorneys for collections who keep pretty detailed files and know what debt has been discharged.

I had been hounding the company for details for about a month so I could ask for the right days off of work and I subsequently asked for a refund, as I couldn't maneuver my way to a conference in Toronto on such short notice.

Without details, we can do a lot of guessing, but cannot give you any real information on locating funding.

I'll explain foreclosures, but I'm not sure that's what you're asking.The details of the process vary from state to state as do the names of the documents involved.

All the details are there, check it out and let me know if you have any questions.

I thought I would poke my head in here.It has been my direct experience that negotiating DIRECTLY with the seller re: selling on terms is the way to go.Having an agent negotiate for me is usually not the way to go.My 2 cents.Also, the motivation of the seller is as important as the finance details of the deal.Do not ever talk money or terms unless you understand the WHIFFMs of the seller (what is in it for me).

Loans are a game where details matter.