Thanks @Alex Shaughnessy, hopefully someone can draw some encouragement if they're down in the trenches. 

As you are learning, direct mail can also be expensive.Want to encourage B&H of any property to get your foot in the door of REI. 

I'll encourage him to check it out.

@Justin Garrett , first, I would encourage you to get on the IRS website to verify all information you hear or are told or talk to a CPA.

A collection agency, PI, or a company looking to perform due diligence on its customers would have permissible purpose.  

I preach customer service and doing the right thing, that's all great to talk about because it costs you nothing, but here I am needing to put my money where my mouth is.

I have found 2 so far just by passively driving to customers houses.

@Jordan Scott I would encourage you to invest as soon as you can.

@Michael Lee- Thanks for the encouragement and I commend you for staying strong through your recovery even though it has taken much longer than you anticipated, I can only imagine how difficult that must be.  

Past experience of the customer with the BankEmphasis mine.