Just out of curiosity, how many probate letters would you say you're mailing each week?

@J Scott, Out of curiosity, why have you not chosen to obtain your Broker's license as of yet - given your annual volume?

With any collateral sale the amount that must be bid in is dependent on state law, usually the amounts owing that include; principal amounts, interest accrued to the date of notice, costs of collection, insurance due, taxes due and paid if any, attorney fees, servicing fees and admin directly related to that note, costs of safekkeeping the collateral, other fees and charges directly related to the adminstration of the note or collateral, even the postage for certified letters giving notice and publication expenses for the sale.All a lender is entitled to from the sale of collateral is the amounts necessary to make the lender whole again, to be fully indemnified from the transaction.

While from your own standpoint, you should pay the highest rates first, but having a higher rate is not a credit score issue, so to establish better scores, knock out the high balances first to get to one third and then work on the highest rates.You may think you pay a card down to 1/3 but if you go to exactly 1/3 each month you'll have accrued interest and the average amount due will then be above 1/3, so allow for accruals.

Before I read the other answers: Negotiation.Which is really saying knowing how to talk to people, staying in curiosity and out of judgement. 

If they hold onto them for a few years and then sell, they only pay taxes on the gain accrued since your death.It's a bit morbid, but a very very lucrative strategy for creating and maintaining generational wealth. 

@Chris Armstrong I know that seems funny and my intention of course is not that but just out of curiosity, how could you with the deed being owned or if the bank owned it?

What’s making you guys look south vs local out of curiosity?

If they pass your credit/background check I don't see an issue, just only "spend" the money that you have accrued. 

@Greg LarsonOut of curiosity...