I now inform them that if I don't get this resolved right now I will call my credit card and get the charges reversed and let people know about the service I received.  

I have noticed that my short term renters tend to take care of the property better as they have a credit card on file for damages.

Grind it out, door knocking, handing out your business card to other parents at your kids soccer games, telling everybody you meet what you do, getting a client, working super hard for them so you have no time for e farming so your lead gen stops, then starting it up again once you're done with that client.  

It means they wiped much of their debt clean, items that were killing them financially like credit cards, consumer cards and other misc debt.

It's more a case of bigger volume buyers getting them as part of pools and then trying to unload them.I actually think it would be a great business model, same as credit card debt etc.

---And that money would be used to pay off a charge card, which she used for dental work and another separate bill directly with the dentist that she has.

I too for many years thought that it was life that dealt me some bad cards but now I know that it was my own thoughts, choices (or lack of them), actions (or lack of them) that really put me where I was. 

I do have his card I will reach out to him.  

I use pre-paid cards like Mango Money (6%) and NetSpend ( 5%) to park my cash, pm me if you need info. 

@Laura Epstein I and a few other investors friends of mine use General Ledger. www.getledgers.comAllows you to have automatic transaction downloads via connections to your banks and credit cards.