But I'm not in the situation, so you have to solve it individually with your moral compass.

I don't like to put religion in here but as a servant who has compassion for people I may not be your typical investor.

or have compassion?

I have had my HELOC with BBVA Compass since 2016 and I am very happy with their services.

It's a balance of profit and compassion.

Check out your moral compass, your ethics in business.

@Adam Harward, this is inaccurate compassion. 

When the PR is confirmed the Administration process has started.When you contact the decedents relative's show compassion and sympathy in your discussion...

@Steven Crosby  as long as your actually closing and not assigning the contracts then I think your letter is fair.. if your just using it to enter into a contract with say a bogus pre qual from a HML who will give them to anyone for a small fee or for free then no I think its right back to the old bait and switch routine which is well let your moral compass guide you on what it is.if your closing then I like it.. when I did pre foreclosure work before they basically made it illegal or unprofitable out here on the west coast.. many of the letters I would see in peoples homes that they shared or when I bought them at court house steps people would leave the letters on the counter.if someone is in foreclosure at least in that time period they got no less than about 200 plus letters and post cards.. the ones that make you gag are the ones that come off.. " Mr. home owner I was just like you I too was in foreclosure so therefore I know what you going through.. blah blah blah.. " and when they see about 20 of those with the same message even the dullest tool in the shed can realize 99% of the direct mail are not people out to save the day for this poor unfortunate family.

Andrew, I am the Broker at Compass Property Mgmt LLC.