There are so many tax evaders/tax manipulators in the financial industry consider they may have bought a bundle of lost cause debts to take the inflated losses on. Could be worth much more than the original debts. Collection isn't in their plans. Too hard! In the foreclosure end of the game they sell the papers several times to each other for pennies on the dollar taking full tax losses each time. Sticking it all on the borrower at the end of that conga line.