Unfortunately, the internet has made every worker very well-informed in regards to the laws and the millions of dollars workers can get and all they need to say is they breathed in some asbestos, whether or not they really did.The proper thing to do is to get asbestos testing before you smash down plaster walls and get an asbestos clearance from the testing company.In California, the Air Quality Management District is a huge $50 million building with maybe a thousand workers and not one penny of the AQMD comes from a government agency.

Best to turn over to a collection agency and take what you can get, often 0.  

I know the Oregon Agency will shut you down regardless of license or not.

Early discussions have been to manage our own rentals, and have most repairs done by an outside contractor if needed (we both work 9-5 jobs and I own an insurance agency). 

I am a Pittsburgh native and currently work for an insurance agency on the North Shore.

Seller had creative financing to start from multiple state agencies so closing took closer to 2.5 months.

If you used the HELOC to the max, your credit utilization is probably 80%+... and the credit agencies consider you are maxed out on all your credit cards and about to belly up.Most of credit cards and bank accounts now offer free credit score insights and history - you should be able to trace the score drop to the HELOC balance increase, or to what events caused what change.

We just refi'd our 24 unit we bought 2 years ago into agency debt, and pulled out our initial capital plus another 100%.  

After 8 months of "trying to contact me" hahahaha, BGE sent the bill to a collection agency.

So, make sure that you call the appropriate agencies to make sure it was done properly.Also, when you are done with the rehab, rush down to the recorder to submit all of the completion paperwork because California has a stupid law that makes it possible for sub-contractors to put a lien on your property if your contractor doesn't pay them even if you paid your contractor.I almost got hit with this situation because the electrician called me and told me that he was going to put a lien on my house if I didn't pay him.