I have empathy for the poor - I grew up ridiculously poor, in a ghetto area, and spent stretches as a kid homeless and without basic amenities (electricity, hot water, telephone, etc) so I know what it's like, but it doesn't change the fact that there are options and ways out.

Put it in writing.Conduct a telephone interview.

The IRS could tell me the EIN number a week later by telephone, but I needed the official letter for the bank account application (which was waiting for it).

This is why we have telephones, scanners, fax machines, and email!

Warren also bilked people when he ran the now-bankrupt "Psychic Hotline," a telephone service that charged callers to speak to fortune tellers.

If you lease the land telephone pole billboards are fine. 

Here are just some examples:Loan collection reportsAll telephone collections must be recorded and kept on file, a monitoring program and training must be in place.Toll free numbers, payment books or EFT arrangements made, notices of changes of payment or address at 90 days, active accounts with contact information are confidential requiring security measures, accounting software must be verified compliant, there must be a loan resolution program in place dictating how and when complaints are transmitted, issues addressed within the required time frame, offers of any modification noted such as allowing a few more days to pay without penalty is a modification, must be recorded and portfolio servicing records must be on file in good form for examination, I could go on.....There is the law and there are matters absent of requirements or exemptions and there is then reality, you're right, third party servicers are not required for small lenders, compliance with servicing requirements are.

I also do telephone prospecting.

Thanks everyone.Orange Credit UnionCredit UnionEmerald Group Credit UnionCredit UnionBuckeye State Credit UnionCredit UnionSTOFFE Federal Credit UnionFederal Credit UnionAcme Federal Credit UnionFederal Credit UnionSolon/Chagrin Falls Federal Credit UnionFederal Credit UnionFaith Community United Credit UnionCredit UnionCleveland Heights Teachers CUCredit UnionTelephone Credit Union IncCredit UnionAntioch Credit UnionCredit UnionShaker Heights Employees FcuCredit UnionOhio's First Class Credit UnionCredit UnionUnion Poles of AmericaCredit UnionOhio Teamsters Credit UnionCredit UnionOhio Catholic Federal Credit UnionCredit UnionUnity Catholic Federal Credit UnionFederal Credit UnionNoteworthy Credit UnionCredit UnionCleveland Police Credit UnionCredit UnionCentury Federal Credit UnionFederal Credit UnionOhio Operating Engineers Federal Credit UnionFederal Credit UnionUnited Telephone Credit UnionCredit UnionSTEEL VALLEY FEDERAL CREDIT UNIONFederal Credit UnionPlain Dealer Credit Union IncCredit UnionThe Ohio Educational Credit UnionCredit UnionFirefighters Community Credit UnionCredit UnionPSE Credit UnionCredit UnionRta Brooklyn Federal Credit UnionFederal Credit UnionSt Colman & Affiliates CUCredit UnionTaleris Credit Union IncCredit UnionPlumbers 55 Federal CUCredit UnionSt Therese St Peter & Paul FcuFederal Credit UnionSt Francis De Sales ChurchChurchUkrainian Federal Credit Union - Osnova BranchFederal Credit UnionNavy Federal Credit UnionCredit UnionOhio Savings BankBankSt Columbkille Federal CUFederal Credit UnionCleveland Selfreliance CUFederal Credit UnionNew York Community BankBank Beachwood PlaceFirst Federal Lakewood - Garfield Heights Mortgage OfficeCredit Union

Obviously who ever says you can't get a lease purchase over the phone is very inexperienced on the telephone.