The pre-recession sharks would 100% target whoever they deemed easy "marks," more or less using stereotypes in that determination, local to wherever they happened to be. 

If they are "barely" making P&I, then taxes and perhaps insurance are not too far from falling into perpetual non-payment.  

I believe both are perpetual, so there is no expiration.

Most people don't realize that it is something that they can do on their own, and people like to perpetuate the fear that they must have a lawyer or they will get screwed.

They just perpetually learn and talk about it. 

Refer to FEDERAL status and gateway tendency to move onto opiates, meth, LSD, etc =LStill yet it seems its what most everyone is spending their disposable income on these days perhaps to escape the economy, pollution, chemtrails, weekly massacres and perpetual war?

Many people here think that real estate will just keep going up in perpetuity, as they believe that population growth and foreign investment will keep it propped up. 

@Kelly McMillan  unfortunately pits and large dogs get an extremely bad rap because they are stereotyped.

I plan to mail my leads once a month for 10 months. Should I end there or should I add them to a different campaign?What do you do?

She's just thrown the ultimate Hail Mary pass in her latest attempt to drag my friend through the muck, and we're all genuinely worried about how this will play out, whether she'll get an extremely sympathetic judge who will ignore all evidence and reason and find for her based purely on gender stereotypes.