Best way to approach pre-foreclosures?

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someone about to lose their home is a motivated seller, no doubt about that. but what's the best way to contact these people? I read in another post something that makes sense, if they're on the DNC list, they can sue you, which is a shame considering you're not trying to sell them anything, but instead keep them out of financial trouble.

Anyway, should you call? Should you send a letter? Should you just stop by their house? And what's the best way to approach them? Should I be worried about people thinking I'm taking advantage of them?

Also, being a realtor, I guess I should be trying to get a listing on these homes. I have an advantage of being in commercial real estate, so I've got alot of contact with investors, which may up their interest in listing. But still, if someone is in financial distress, what's the best way to approach them without being rude?