There is ironic humor when you ask about using an attorney to handle mailing in a pre-prepared AOM (simply put in mail and send) but get what seems like no advice on the file as it pertains to title, credit, bankruptcy and origination.  

I have great friends that I would never disclose my financials with; simply because they have no reason to know.

@Nghi Le Account Closed Nghi  simply go to Northwest Trustee's website just google it.. they handle about 70% of all foreclosures in WA and Oregon..

However, if this loan is defaulted, then the picture changes and you should be doing other steps above simply sending the letter and calling.  

I have a feeling wholesellers or large scale flippers are simply offering them money on top of the commission to take their deals.Here's an example of a current deal we've been submitting offers and trying to get some communication going for the past YEAR.Last List Price $225kOur Cash offer: $280k Cash with proof of funds ($450k in bank account for past 6 mo+)Accepted Price: $220k[Just for your info ARV was around $450-500k after around $100k conservative rehab estiate ][We also submitted a $290k cash offer about 6 months ago, but at that time the property was listed at $415k (which is the entire amount of the loan due)]This is just one of several examples of offers we've had out where we offer much more, and cash, and the short selling agent (who controls the entire deal) accepts something else.  

I asked the realtor if she educated her seller on the area, she simply said that this is the amount of money that he wants.Sorry to go a little geek but this reminds me of a Simpsons episode where this older woman is trying to sell the Comic Book guy all this valuable stuff.

I just simply write declined on the application and put it in the declined pile.

He isn't offering you title insurance, he is simply giving you a search without any guarantee of the quality of his service.   

If mopped, dirty water is simply moved around to be deposited in other grout lines where it settles and dries.

I think you and the seller are way to far apart, I most likely would not make them an offer as it could insult them enough to not want to talk to you again when you simply tell them to give you a call when they can be a little more flexible.