Last year it was appraised at $300,000 and I took a $15,000 home equity loan out to pay the credit card before the interest came due.

Clayton,Mail to the heirs and not right after the owner dies but wait a little bit longer until the heir has time to grieve (maybe wait 3 months after).If you're short on budget, buy business cards, attend networking meetings and talk to as many probate attorneys you can.

I also purchased “Budgeting 101” to help me better get a handle on what money is going where and to start breaking down my old debts from school and credit cards.

Be sure to have a guest book for people to sign and many business cards...5000 sounds about right. 

If you are “maxed” out on your credit cards, this will affect your credit score negatively.

I received a call from a bank branch where I hold a credit card with no balance on.

I have some missed credit card payments on my credit history.  

We have a robust cold calling campaign and post card campaign. 

Money in exchange for equity, HELOC is generally easier to get, it's like a credit card, use it as you wish or draw on it as needed.

Sometimes I’ll reach out to someone for help with values, and if they are gracious and helpful I’ll put a 100$ gift card in the mail for them.