All of that can be very costly and time consuming.

It's very stressful and time-consuming.

I'm also getting busy right now as I volunteer with Memphis in May which consumes a lot of my time over the next six weeks.

“The lists contained information about millions of consumers, including sensitive information such as credit scores and whether they were 30, 60, or 90 days late on their mortgage payments,” says the FTC.The problem is not that the lists outing those behind on their mortgages were compiled and sold.

Lot's of good information for you to consume here to get started.

Okay good, commercial so no consumer issues. 

I would love to have her read some of the books I have read or watch the videos but it isn't her passion like it is mine and her time is also very limited with her career and she understandable wants to enjoy her down time and not be consumed with more "work" in her mind.

You also have 4 major banks in Canada that are heavily regulated unlike in the U.S where there are dozens, upon dozens of banks and options to consumers.

We are trying to think outside the box with postcards, yellow letters and randomly driving around looking for vacant run-down properties but that is time consuming and not terribly productive to date. 

From the California Tenants—A Guide to Residential Tenants’ and Landlords’ Rights and Responsibilities written by the Department of Consumer Affairs’ Legal Affairs Division:Late fees and dishonored check fees A rental agreement cannot include a predetermined late fee.