They have been pouring in lately from the big banks that I have open credit card accounts with, Capital One--0% for 6 monthsCiti--0% for 9 monthsChase numerous optionsBank of America--numerous optionsAre you seeing more offers lately?

Credit Card companies, and contractors can also put liens on a property.Do a title search... roughly $210

Shut up and let the cards fall where they may.

I did not have business cards, did not have websites, did not have any deals, but I thought, if I wait to get everything set up before I go, I would probably never go.

So far we've done CL ads, newspaper / pennysaver ads, REIA meetings and networking with business cards, and bandit signs.We're getting far and away the best response from the bandit signs.YMMV, I'm sure it depends on the town, owners, etc what will work best.

Ali - the very first short sale I attempted was not behind on payments, but we were able to show the bank that time was running out and that the owners could no longer afford the property - they had been making the house payments on credit cards for 6 mos!

Unsecured debit is like credit cards, when you don’t pay they can’t take your house, car or boat.

Chris, I'm sure that many here could give you a better idea than I, but when I started, I mean really seriously, I spent almost all of my time "marketing" either finding buyers or tenant/buyers.I never mailed a post card, posted a "I buy houses" sign, never used or bought a list, never used Craig's List, and never used birddogs!

For example, the homeowner cannot pay their mortgage, however is still making car and credit card payments.

Credit cards, friends and family, HELOCs on your other property, etc.