That they were made aware of the HELOC from the beginning of the process and that their lack of timely action in no way should impact you negatively, and that you would have pursued other options previously had they informed you of the delay.

Here are some planning your REI business articles.Common sense + Action = Powerhttp://www.biggerpockets.com/blogs/3/blog_posts/42...Pick a nicheGet going!

But people spend months of wasted time trying to build a website when they should just be out there taking action and getting deals.i've not used "investor carrot" but I have my "we buy apartments' website up on LeadPropeller and love it.  

If you have done nothing up till this point except study then your next step is to take action.

I don't know NY law but in CA your broker is responsible for your actions as well as you.

@Trevor Larsen Welcome.You may also want to set a timeline for ACTION!

Their arguments are simply not consistent with their legislative actions.

Before taking action, you already need to have all those strategies worked out, whether for yourself or in cahoots with others. 

If she is older and has any other possible issues, the best way for you to help is get her to an attorney to do some planning a course of action.   

ANY other action will send the caller to your new Vumber voicemail.