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The time you spent typing this post could have been spent making that complaint

#1 - you will not go to jail. There isn't such a thing as debtor's prison.

My scores are as follows:

Exactly. That's an area where one could get not only sued in civil court, but could end up in criminal court for the unauthorized practice of law.

3. A pre-approval letter can help decrease the amount of earnest money you put down, as the seller knows that you are not some "Joe" off the street hoping that he can somehow get into a house.