Consuming all the available info made obtainable by BP, reading quality books/blogs, analyzing deals to gain experience, and attempting to follow the footsteps of those who have performed so well before me.Currently, my business operates 5 days a week (M,T,Th,F,S) in the early mornings (waking up @ 3-4 am) and we finish our work day reliably around 1-2 pm.

. § 7-101(c) defines a collection agency as follows:"Collection agency" means a person who engages directly or indirectly in the business of:(1)(i) collecting for, or soliciting from another, a consumer claim; or(ii) collecting a consumer claim the person owns, if the claim was in default when the person acquired it;(2) collecting a consumer claim the person owns, using a name or other artifice that indicates that another party is attempting to collect the consumer claim;(3) giving, selling, attempting to give or sell to another, or using, for collection of a consumer claim, a series or system of forms or letters that indicates directly or indirectly that a person other than the owner is asserting the consumer claim; or(4) employing the services of an individual or business to solicit or sell a collection system to be used for collection of a consumer claim.CONCLUSIONA debt purchaser that attempts to collect a consumer debt by bringing a foreclosure action is required to have a license unless some statutory exemption applies.Why would an investor hire a mortgage broker to act as a collection agency?

Here is a link to a California consumer affairs document outlining landlord and tenant duties/responsibilities: http://www.dca.ca.gov/publications/landlordbook/catenant.pdf

Especially when a subcontractor isn't providing materials beside consumables (screws, nails, caulk, etc.), I NEVER, NEVER, EVER give them money until the job is done to my complete satisfaction.I have this rule because I've been taken advantage of, just like you did in this case.  

You would have to rezone the property which would be time consuming.

Hope this helps. http://www.experian.com/consumer-products/free-cre...

Since I am new to real estate I think that finding deals(wholesale) would be the best route for me initially and will spend as much time researching this particular topic.Thanks for reading my intro and I look forward to diving deep into this community and consuming as much knowledge as possible.  

Like others have stated, getting and maintaining a license is time consuming and not cheap. 

-John UlzheimerPresident of the Consumer Education @ SmartCredit.com

I agree that many people have used the equity in their home as a means to purchase many consumer items thinking the positive increases would continue.