But then they'd probably join the "fight for 15" movement... 

My family does a good job living within our means and I am fighting hard to create an income replacement cash flow to replace the menial 9-5 job that I currently hold, that I am in no way passionate about.  

Someone will approach them later and offer them $5K more and you will have a fight on your hands and likely lose the deal.

This would not happen with an official printed letter.But regardless, this is not supposed to be an arguing note fighting what is better or "what ever works for you after an elaborate message proving or disproving the previous writings.Again, this is simply sharing my experience with yellow letters and I am not a fan of it anymore and was wondering if anyone else had similar experiences.And FYI, starting a message with "All I can say is ...

There is a great group that meets once a month in Irvine.

Neither of us has a dog in this fight, I don’t win if he stays, I assume you don’t win if he invests out of state.

The instit. lenders will fight this and they have real legal dollars.

The cement softens the pipe and they fight more closely together than without the cement.

If he's decided he's going to fight this, you may have no choice.

i had one like that... the guy was making 6k per month and explained one conviction up front (fight as a teen). we were ok with that.then the report showed 1 or two more domestic violence. we asked him to explain and he said, 'no, i am done with this crap".we thanked him for stopping by.