Then I have to be very careful of what I say, especially if the debt has been discharged in bankruptcy because there is the discharge order from the bankruptcy court to consider in addition to FDCPA and whatever state collection laws are there that have to be complied with.

If they have filed for bankruptcy you need to make sure that it has been discharged!

.- Bankruptcy - 1 - filing date in early 2010 and closed/discharged in mid 2010 - probably linked to above judgement. 

The policy I was quoted has a 10,000 limit for backup or discharge of water.

Or can I first try to make it perform again, and once is performing set it up with the servicer.Adrian Also be aware that if there are any bankruptcy filed or the borrower had a BK discharged, there are specific limitations for contacting the borrower, so be sure to include this in your due diligence findings. 

Luckily my tenant had just been discharged from the military, so I was able to alleviate him from his lease and make the new owner happy.

I walked in for gallbladder surgery and when I was discharged, I could not walk or stand from the mistreatment by the post-op care.

Bingo I was done I sent them a copy of the Pennsylvania Mortgage Satisfaction Act of 2002  (Google it) The law states that whenever a lien is discharged for any reason the mortgagor must file a lien discharge within 60 days I then used this on the rest of liens and all were removed.

It's hard to step of that ledge, not sure if your chute will open, but you did it. 

Here is an excerpt of the law: “Mortgage Forgiveness Debt Relief Act of 2007 - Amends the Internal Revenue Code to exclude from gross income amounts attributable to a discharge, prior to January 1, 2010, of indebtedness incurred to acquire a principal residence.