In February this year received a water bill from Philadelphia Water Bureau, got hit will a bill of $2,100.

Seller financiers must still comply with “ability-to-pay” portions of Dodd-Frank, as well as interest rate rules and the ban on balloon payments.This will be a considerable accomplishment when it passes!

I think you have a strong ability to enforce.

There wasn't any ability to inspect prior to bidding.

Her lease states that she should be changing the filters monthly and, in a subsequent section, that she would be liable to reimburse us promptly for damages... and service required by violating her lease rules.I feel we are within our rights to request a $75 reimbursement for the service call and have this drafted:Dear [tenant's name]:Per your lease agreement, we are enclosing a bill for $75.00 and a copy of the HVAC technician’s findings and the diagnostic call receipt for services required for a “severely clogged air filter blocking the air flow causing the AC system to freeze up”.Per your lease agreement, section 19B, you must replace air-conditioning filters monthly, which would have prevented the clogged air filter issue.

I know by law safety deposits are protected from wear and tear but can the landlord still send a bill to tenants or debt collectors?

They can make up their own underwriting guidelines and a lot of it is based on your perceived ability to pay back the loan.

Competition will be tough in the market and all things equal the ability to close quickly on a good deal can make or break a transaction.

I used FB paid ads to get myself new leads/clients and to also get my clients new leads, not to mention they are all quality leads due to the targeting abilities.  

I'm not saying you should find one who nickel-and-dimes you for every phone call, but anything that requires them to spend more than maybe 30 minutes or an hour is worth a billable fee, particularly if you are in search of the correct answer.