I'm sad to report, but not at all surprised, that @Jon Klaus is right...again!

You can ask for telephone numbers as well, but don't be surprised if you do not get those; many tax offices do not have that information.

I appreciate all of the responses and am pleasantly surprised by the number of comments.  

I am studying Johnathan  Wolters, guide and if you want, I can email to you.It was a nice surprise Nancy is a BP member.

It's only $105k loan, but it wouldn't surprise me if they were $30k behind in that too.

Not planning for the big cash expenses like roof, windows, siding, decking, exterior painting, lead paint abatement...Every few years I got surprised with a new $5,000-$45,000 improvement.

Michelle - be sure to take Tony's advice - that is really key in this biz - you will be surprised how your volume will increase as you mail them the 2nd through 6th time.I do something a bit different and I do change the copy each time - meaning the message I send does get a bit more urgent - but they all look the same - that is very key - repetition.

I am currently reading the laws in California regarding land contracts, and they are pretty clear (surprising!)

You'd be surprised how narrow the gap is once you figure in that the lower-income guy pays no income tax and gets a huge earned income tax credit payment each year (could be thousands), plus is probably eligible for food stamps and other giveaways.3:1 is kind of industry-standard, but you should at least take a look at their other debts and obligations.

I can understand how lawmakers could find the practice offensive, but I am surprised anyone would go far enopugh to make a law on it.