If she borrows a lot the credit score going down will cost here future money in higher interest rates.Some credit card and other companies now have provisions in small print where if other accounts that are not their default and start going late they can up their interest rates to cover future perceived risk.They can also freeze credit lines,credit card accounts and just ask for her to keep paying the balance but not allow new charges.So there are many implication here that have to be considered.There are certain items by law that creditors cannot touch.That won't keep the collector though from trying to convince you to pull from a retirement account,401k etc. to pay them.So watch out and know the laws and your rights.The owner of the actual loan and who services the loan could be the same or different entities all together.The point of contact will be the loan servicer and they will contact the owner of the loan directly.Whether a bank wants a property back will depend on costs to foreclose versus a DIL and if any post redemption rights exist which the seller could waive giving the property back to the bank.If there are a bunch of additional liens attached the bank will generally foreclose to wipe those out unless the junior liens agree to release for a tiny amount say 1,000 or so.First step is to get and ATH(authorization to release) and get it to the bank for permission to speak about the account with the servicer.With the account being current they won't be that motivated.Usually you are in customer service,then after a few lates you will go into collections,and then loss mitigation before foreclosure attorney gets involved.

Investors will quickly label you as a short-minded crooked wholesaler and I am sure that's a label that is hard to remove.

However how can I find out where to purchase those custom cabinets?

Sorry to hear about your situation, and I am personally going to move onto another bank where I might get some better customer service.

Originally posted by Pat Bahn:it lists some $57M as customers accounts, but there is no offsetting liability for custumer obligations.i can email the sheet to anyone who is interestedHi Pat - I would have to look at the balance sheet to be sure, but I'm guessing the listing of "customer accounts" IS the liability.

For example, we're selling most of our properties to international buyers...without our website, it would be virtually impossible to reach this customer base.

I agree with Matt and J Scott that $150.00 is probably not worth arguing over given your time frame.As a licensed contractor myself, if I were to overlook something that was needed in order to complete my proposed task, I would have to "eat it", complete the needed work and not charge my customer.

This is more common with closing attorneys that have repeat customers.

It would be nice to be able to upload a bunch of files in a custom folder in some instances...maybe that is a job for Super Josh!

This bait advertising creates a bad representation for legitimate wholesalers who aren't luring their customers and are being labeled as deceitful and untrustworthy.