The good ones are worth their weight in gold.You've asked some interesting questions that the tax pros of BP can answer for you.

When I noticed this and tried to remove the trash bag, it split from the weight and released a huge flood of nasty liquid, almost getting on me.

If you want something way more accurate , you'll have to pay a premium with tools from thomson reuters or transunion, they are also highly monitored from an identity theft perspective. 

The good ones are worth their weight in gold.You've gotten some good answers here, but I recommend not substituting the forums for working with a tax pro who understands the full scope of your tax situation.Anyways, good luck with this!

Virgil,  A colleague of mine owns a company that buys bad CC debt for about 5 cents on the dollar usually the CC company does have a judgement that comes along with the sale.. then my buddy will monitor these judgements for their experation date ( state specific) but normally 5 years.. and sometimes extend another 5 years but at month 50 or 110 or so they do a search of defaulted CC borrower..

- How will you monitor quality of work?

Analysis, plan, monitor, action, rinse & repeat.  

Focus on Health & Safety First • Electrical hazards, roof leaks, HVAC issues, or plumbing concerns carry more weight than cosmetic items.

MD suburbs have opportunities to do more than small positive cash flow while also being able to closely monitor your investment. 

. :-) Your personal opinion carries no weight in court.