Uck, your question reminds me of when I first started back about 10 years ago. 

Unlike direct mail, your prospect doesn't have a physical reminder of your company so you need to have them on an aggressive followup sequence and/or VM blast campaign.

@Theresa Harris Thank you for the reminder.

For $180, I pay for it, remind them to be careful with what goes down the toilet, and everyone’s happy. $180 once a year or every other year is more cost effective than the $3-4K it’ll cost to replace... though it is in the long-term capex plan.

If the utility company requires an application be filled out (as opposed to just taking the information over the phone), then I'll provide the tenants with a blank application as well.If the tenant forgets and/or chooses not to call, I know they'll be reminded when their utilities are shut off.

It reminds me of the Windows 8 layout.PS - I am a full time investor and have been for 20 years.....And I use it.

Completing an outstanding instruction program or mentorship that enhances ones ability to be successful.The more I think about it, there are many more events that I could share and many others could share.Don thanks for reminding us to review where we are at and look at the successes we have and how they might encourage others as well.

Thanks for the reminder about college students hard use.Kelli

The benefit to a short sale is it stays on the credit for less time than a foreclosure or a bankruptcy.The student loans and IRS taxes are generally 2 items you cannot get wiped out in a chapter 7 bankruptcy.From what you have described it sounds like depending on how much debt you are carrying a ch 7 would be best to wipe out everything and then pay off the student debt over time to get debt free.Promissory notes are a constant reminder of a deal gone bad and you get no emotional closure to move on with your life.As far as the taxes go there is an insolvency form that at the time the debt was forgiven you liabilities exceeded your assets therefore you owe no taxes on the forgiven debt.Publication 4681 form 982No legal advice

I was just reminded of this when I easily applied for a CO for an Investor buddy of mines in Roselle.