Her $5,000 loan ballooned to $10,000 in 2 years and she was receiving threats to foreclose.

Otherwise you will be tapped out rather quickly with the HELOC and rising rates become more of a threat if your cash flow is dependent on the low HELOC payment.

Everyone will just browse houses online and schedule viewings online either with discount agents or directly with seller agents.Sellers agents are here to stay because selling a house has a lot of esoteric paperwork, health and safety codes, staging, open house, etc.

You open the door to a ball of worms here.18, oh, a doosie now she has to disclose her medical conditions, her lumbago that hurts, admit she has short term memory issues, her depression from being so dang old, ever hear of discrimination for age or health issues? 

Is your health good now.

Just my 2 cents I'm in health care.

The question is is this solicitation really a public threat so to speak and is it worth shutting them down?

Also, you can say, "If he was a threat to society, he'd still be in prison."

Can you give me some examples where the liability of holding a license becomes a greater threat?

I'm in the health care field as well (except on the IT side of things).