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).

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

I mean this is a ridiculous assertion to make...I don’t really have a comment back except keep being successful Jim!

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.

DefinitionsAs used in this subchapter --(1) The term "Bureau" means the Bureau of Consumer Financial Protection.(2) The term "communication" means the conveying of information regarding a debt directly or indirectly to any person through any medium.(3) The term "consumer" means any natural person obligated or allegedly obligated to pay any debt.(4) The term "creditor" means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.(5) The term "debt" means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.(6) The term "debt collector" means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.

Ask the agent to back up his assertions with data.

I won't dispute these assertions one way or the other, but I will say that the contract used to implement the strategy is the key element here. 

The same assertions can be made of any profession.

With the demand that exist for rentals currently in dealing with only assertive serious people who don’t waste no time.

June 1, 2003. 72.1015, 72.1016, 72.1017, 72.102, and 72.104, personal property is presumed abandoned if, for longer than three years:(1) the existence and location of the owner of the property is unknown to the holder of the property; and(2) according to the knowledge and records of the holder of the property, a claim to the property has not been asserted or an act of ownership of the property has not been exercised.