Some 2nd position loans might also hold a  have a subordination which will allow them to collect and THEN the surplus goes to the first.HOA liens are different than "regular " jr liens since their Governing documents actually allows the bid winner to get a certificate of title and move right in (until 1st position forecloses).Tax as well as HOA liens survive the fcl .

Once you reach the winners circle there will be hundreds of women who will love to be with you because everybody loves a winner.

You could go the vulture route and follow up on bankruptcies, while many are already in trouble some don't find out they are upside down until they file.Contact non-profit financial counselors, people contact them for help, leave cards there and make friends.I knew a vulture Realtor that followed court convictions, some are homeowners get sent up the river to the big house, the bread winner is gone and they are forced to sell.

If memory serves me correctly, their were three winners (and no losers!).

They could only bid them all at one rate per lien so you could see a lien with 20,000 bids at 6% or whatever rate they chose.The only advantage having all those accounts offered was that if they bid that many times and it also turned out to be the lowest bid, then the software would randomly pick a winner from all the bids at that rate.

“If you believe in yourself and have dedication and pride - and never quit, you'll be a winner.

Look forward to hearing about the various winners.

Steve and Berta, looks like a winner!

Eventually I scaled it back and thought I'd split the list down the middle and just run 3 month races with the winner becoming the control for the next quarter.

The message was clear: they are losers, you guys are winners - and you will be truly a winner if you continue the journey and finish it in Mastery level at a cost ranging from $25,000 to $50,000 (not including airfare, hotels, etc).Many more tricks of the sales trade were used during all these 3 days:1) "There are a lot of negative people" - don't listen to all those naysayers, they at best just don't know, and at worst envy you.2) showing a "success" PowerPoint slide with photos of "students" who were successful.