I think asserting my articles as confirmation bias assumes these or these types of articles are the only ones I've read and that I had an agenda when I learned about this information. 

But I take issue with your assertion that it is the law.

If so (like he originally stated), then I stand by my assertion that the profits should be split equally and nobody should get more than the others.

But in general, yes, judicial simply means that the foreclosure is handled like a lawsuit, with both parties having certain rights and remedies, which they can assert through court proceedings.Usually borrowers don't try to fight the foreclosure, so the lender eventually gets the "final judgment" of foreclosure, after which the property is sold at auction (usually on the courthouse steps).

Your assertion is that the as completed value should be higher. 

I recommend checking out The Ultimate Guide to Grading Cleveland Neighborhoods to familiarize yourself with the Cleveland area.I always recommend out of state investors look towards the higher end asserts.

The assertion however that 99% do not know and aren't willing to learn is probably more accurate however.  

Things become invasive when you assert that you have every right to do it. 

Ask the agent to back up his assertions with data.

Ariz. 2004.Please be advised that I am enforcing my rights under the FDCPA and under Wyoming's Landlord/Tenant Act, and that this correspondence shall in no way reflect a waiver of any of the rights prescribed under either of those Acts which are not expressly asserted herein.