It took time to build this team but after many calls, many poor responses, many non call backs, many "we can't help you", I was able to find people that wanted to be a team and work with me.I have purchased $1000's in US real estate material, searched the internet for private money, invest time to increase my knowledge in US real estate, been on many webinars (still do) and continue to read and listen to real estate and motivational CDs.  

I've never thought twice about calling banks, but I've never marketed to the general public.Am I totally "free" because I am direct borrower and providing a mortgage as security?

Small claims court is your best bet.Try to be a nuisance to them by calling them everyday as often as possible,pass out flyers to the tenants advising them of the lawsuit so they know who to complain to personally,etc.Force them to throw up their hands and give up the lousy $500.00.

I am not sure whether the company services your area, but there is a company called Regal Kitchens in NY that has sponsored some BiggerPockets meetups.

I called my agent and was told "oh that's a HUD house".

Up to this point, never had any reason to Contact anyone with Bigger Pockets but, just found out there is no number to call, or do I have this wrong?

If so, I would recommend you call builders and get quotes for building a house yourself.

I'm afraid the bank who holds the note (BOFA) could find out and call the note due.

Put into your spreadsheet of choice a column called (Marketing Expenses) and put in the commissions there if you use an agent, and if you don't then best of luck on selling that property and doing all the leg work to get it sold.

My current stage is market research, building a team and cold-calling as many local people as I can to get input.