The letter to your card company is not an appropriate forum for discussing the merits of your claim.Sample letter to each individual credit card company:RE:  Dispute of Charges on XXXX-XXXX-XXXX-XXXXTo Fraud Department:I hereby dispute the charge of $X,XXX.00 on XX/XX/2015 by [Merchant Name that appears on statement] in full and request that you issue a refund and charge-back.  

+$XXX dollars on the rent to cover the cost, then reduce the rent back to market once the update is paid off.... and, of course, increase the rent based on the update (forced equity).... or, leave the cabinets as-is and rent the unit at the advertised rate.My $0.02 ...

Will pay a penalty of $x,xxx if insurance or property taxes are not paid timely.  

Bruce’s cell is xxx or Michele’s e-mail is [email protected].

What is it costing you ($200) to pay down how much ($XXX principal) per month. 

We plan to put something in the lease to the effect of "your rent includes a $XXX credit for utilities, if utilities consistently are above the credit then the rent will be adjusted accordingly".

You must be able to say, I have $xxx of funding lined up when I find a deal that meets this criteria...   

So the "guru" is happy evangelizing messages like "College is a waste", "home buying is for losers", "rent for life", "learn by subscribing to my xxx course".

This is a great question, and one that can be debated on both sides for xxx hundreds of reply's.On  one side if you have debt; is it hurting your chance and ability to get financing if using conventional terms?

I expect for this to minimally go on for xxx months and maximum go on for xxx months.