I was hoping some reputable HML in each geographic area would chime in on best practices and market conditions and rates.were you see the folks getting sucked into they pump and dump pretend lenders is the bait and switch of rates that mirror FHA or conventional full doc lending ... and they are touted as private or HML and we know that NO HML company can loan money at 5 to 7% and stay In business.

Account Closed David, lender's liability, common practice, prudent lending policy, simply CYA. 

Then again, in all practicality, why on planet earth would a bank call a loan if everything is a) fine and b) still have the same person on the hook that they vetted at the beginning (see above, no quitclaim will change the fact you are personally liable for the loan; disclaimer: IAMNA(US)L, maybe there is indeed a difference!).

I think it is a wonderful idea, just curious how practical it will be for me to implement.

This is a common practice in commercial construction.

pedestal sinks are so 1990. boring and not practical.  

Exclude business practices

It really is good practice to be friends with your neighbors who are long-term residents (like me!)

I love how you used practical, easy to understand examples to explain very important concepts.

In your letter state that if they fail to do so within 30 days of receipt of the letter, they are required to remove it from your credit report.Learn the Fair Debt Collection Practices Act and the Fair Debt Reporting Act.