We also had dispute many of low appraisals.

Here's some more reading on that: Texas Landlord's Guide to Security Deposit Disputes in Justice CourtYou could also send them to collections and report the amount owed to the credit bureaus. 

I dispute your characterization of the properties as highly illiquid: while true liquidation is difficult in a downturn, there are products that offer synthetic liquidity, such as cash-out refinancing and HELOCs, as well as collateralized loans against the portfolio, once it reaches a certain size.

Hi @Brandon L.The people who reported this delinquency to the credit bureau i believe goes by one of these two names:Account Resolution Services, LLCHealthcare Revenue Recovery Group LLC Account Resolution Services, LLCI believe the original debt was charged off by the original creditor ( the hospital ) and bought by these people.I am not sure how it all works.

Did you pay it or dispute?

If not, you'll find out how they work.Some other things:- Obviously keep all of your receipts so if there is a dispute you can show the contractor what you bought and delivered.- In your contract with the contractor, specify the exact make and model numbers of the items you want installed (maybe just for the larger, more expensive items if you want).- If something goes missing, immediately speak with your contractor about it and gauge his reaction.

For example: the "dispute resolution" paragraph of the California Association of Realtors RPA says that unless there was a second earnest money deposit or an addendum specifying otherwise, a buyer backing out at the last minute after all contingencies have been removed can only lose at most 3% of the contract sales price.

The police will generally not get involved if there is a dispute for occupancy.Start the eviction process and bring it to an end.John Corey

The construction and landlord tenant resolution didn't scare me.

I called the bank once and got transferred several times with no resolution, I just gave up.