This includes Collections, Judgments, and Bankruptcies.

We did some preliminary testing of around 1400 leads and got hits on over 90% of them.We got back phone numbers, including cell phone numbers, and things like date of birth, deceased, bankruptcy, email address, etc. 

I think he filled for bankruptcy before the age of 30 because he was very heavily leveraged and the market turned on him.I agree with the notion of not borrowing for consumer debt, but leveraging, when it makes sense, for business and real estate purposes. 

They are: verifiable income of $5,550 per month, good reference for previous housing history, pass credit check over 650, no outstanding past due obligations, no recent (10 years) bankruptcies, a clean criminal record, and no previous evictions.

Ti, if the second forecloses a bankruptcy on the part of the owner is irrelevant.

Wife had bankruptcy after her divorce 9 years ago.

I also agree that door knocking is the best way to reach these people, and I also think that you need to be there to offer them all of  the possible solutions including modification and bankruptcy if they can and want to keep their house. 

Much more likely risks are bankruptcy and fire.

Maybe the borrower would be willing to file a bankruptcy to postpone the foreclosure sale date.

Not all judgments are dischargeable in bankruptcy.