function oxDone() { var gads = document.createElement('script'), useSSL = 'https:' === document.location.protocol, node = document.getElementsByTagName('script')[0]; gads.async = true; gads.type = 'text/javascript'; gads.src = (useSSL ? 'https:' : 'http:') + '//www.googletagservices.com/tag/js/gpt.js'; node.parentNode.insertBefore(gads, node); } setTimeout(function() { if (!('OX' in window || 'oxhbjs' in window)) { oxDone(); } }, 2500); (function() { var openx = document.createElement('script'), useSSL = 'https:' === document.location.protocol, node = document.getElementsByTagName('script')[0]; openx.async = true; openx.type = 'text/javascript'; openx.src = (useSSL ? 'https:' : 'http:') + '//lovetk-d.openx.net/w/1.0/jstag?nc=1004147-LoveToKnow'; node.parentNode.insertBefore(openx, node); })(); ltk.ads = { retries: [], contentUnit: 'LTK_Business_Finance_Business_Content', debug: false, refreshInterval: 25000, excludedIds: ['ad-carambola-desktop', 'ad-carambola-mobile'], slots: [], numOxSlotsDefined: 0, define: function(id, unit, size, sizes, delay) { var help = this.helpers, debug = this.debug; var sizeDef = size; googletag.cmd.push(function() { if (sizeDef.length === 0) { sizeDef = help.getMaxSizeArr(sizes); } if (sizeDef.length) { if (debug) help.title('define'); var def = googletag.defineSlot('/1004147/' + unit, sizeDef, id) .addService(googletag.pubads()); if (ltk.ads.debug) help.logDeep('define unit: ' + unit + ' for ' + id); if (help.isOxAd(id)) { ltk.ads.numOxSlotsDefined++; if (ltk.ads.numOxSlotsDefined === OX_dfp_ads.length) { OX.dfp_bidder.setOxTargeting(); } if (debug) help.logDeep('set OX target: ' + sizeDef[0] + 'x' + sizeDef[1] + ' for ' + unit); } ltk.ads.slots.push({ id: id, ad: def, visible: false, firstRefresh: true, timer: { state: 'stopped', counter: (ltk.ads.refreshInterval / 1000), isStopped: function() { return this.state === 'stopped'; }, isPaused: function() { return this.state === 'paused'; }, isActive: function() { return this.state === 'active'; }, getState: function() { return this.state; }, pause: function() { this.state = 'paused'; if (debug) help.logTimerPaused('pause timer for ' + id + ': ' + help.getSlotById(id).timer.state); }, resume: function() { this.state = 'active'; if (this.counter <= 1) this.counter++; // make sure we have a minimum impression time of 1 sec if (debug) help.logTimerPaused('resume timer for ' + id + ': ' + help.getSlotById(id).timer.state); }, startTimer: function(slot) { this.state = 'active'; // set to a property in case we need to clear it slot.timer.interval = setInterval(function() { if (!slot.timer.isPaused() && !slot.timer.isStopped() && slot.visible) { if (debug) help.logTimer('refresh ' + id + ' in ' + slot.timer.counter + ' seconds'); slot.timer.counter--; } else { if (debug) help.logTimerPaused('remain paused for ' + id); } if (slot.timer.counter < 0) { ltk.ads.refresh(slot.id); slot.timer.counter = (ltk.ads.refreshInterval / 1000); } }, 1000); } } }); googletag.display(id); // needed only for wrangling sticky ads on load if (debug) help.logDeep('pre-render the ad so sticky ads actually stick'); if (!delay) { if (debug) help.logDeep('see no delay, so request initial fetch and display of the ad'); ltk.ads.refresh(id); } } }); }, refresh: function(id) { var help = this.helpers, debug = this.debug; if (debug) { help.title('refresh'); } googletag.cmd.push(function() { var ad_slot = help.getSlotById(id), ad = ad_slot.ad; if (!ad_slot.firstRefresh && help.isAdOldEnough(ad_slot) === false) { var age = (((new Date()) - ad_slot.timer.last) / 1000); if (debug) { console.log( '%cNot refreshing ... ' + ad_slot.id + ' is only ' + age + ' seconds old', 'background:red;color:white;' ); } return; } if (!ad_slot.firstRefresh && !ad_slot.visible) return; // we won't refresh unless we're visible to google if (help.isOxAd(ad_slot)) { if (debug) help.log('refresh the OX DFP ad for ' + id); OX.dfp_bidder.refresh(function() { OX.dfp_bidder.setOxTargeting([ad]); googletag.pubads().refresh([ad]); }); } else { if (debug) help.log('refresh the non-OX ad ' + id); googletag.pubads().refresh([ad]); } }); }, listen: function(name, handler) { googletag.cmd.push(function() { googletag.pubads().addEventListener(name, handler); }); }, handleImpressionViewable: function(event) { var help = ltk.ads.helpers, debug = ltk.ads.debug; var id = event.slot.getSlotElementId(), slot = help.getSlotById(id); if (debug) { help.title('impressionViewable'); help.logDeep('see event triggered for ' + id); } slot.visible = true; if (slot.timer.isStopped()) { if (debug) help.logDeep('am starting the timer'); slot.timer.startTimer(); return; } if (slot.timer.isPaused()) { if (debug) help.logDeep('am resuming the timer'); slot.timer.resume(); } }, handleSlotRenderEnded: function(event) { var help = ltk.ads.helpers, debug = ltk.ads.debug; if (debug) { help.title('slotRenderEnded'); help.logDeep('see event triggered for ' + event.slot.getSlotElementId()); } var slot = help.getSlotById(event.slot.getSlotElementId()); if (slot.firstRefresh === true) slot.firstRefresh = false; slot.timer.last = new Date(); if (slot.visible && slot.timer.isStopped()) { if (debug) help.logDeep('am starting the timer'); slot.timer.startTimer(); return; } if (slot.visible && slot.timer.isPaused()) { if (debug) help.logDeep('am resuming the timer'); slot.timer.resume(); } }, handleSlotVisibilityChanged: function(event) { var help = ltk.ads.helpers, debug = ltk.ads.debug; var id = event.slot.getSlotElementId(), perc = event.inViewPercentage, slot = help.getSlotById(id), wasVisible = slot.visible; if (!help.isValidAd(slot)) return; if (debug) { help.title('slotVisiblityChanged'); help.logDeep('see that slotVisibilityChanged was triggered for ' + id); } slot.visible = perc < 50 ? false : true; // same criteria as 'impressionViewable' event var changedOn = !wasVisible && slot.visible, changedOff = wasVisible && !slot.visible; if (debug) { help.logDeep('see that ad was ' + (wasVisible ? 'visible ' : 'not visible ') + 'and is now ' + (slot.visible ? 'visible' : 'not visible')); help.logDeep('see that ' + id + ' has timer as: ' + slot.timer.getState()); } if (changedOn && slot.timer.isStopped()) { if (debug) help.logDeep('am starting the timer'); slot.timer.startTimer(slot); return; } if (changedOn && slot.timer.isPaused()) { if (debug) help.logDeep('am resuming the timer'); slot.timer.resume(); return; } if (changedOff && slot.timer.isActive()) { if (debug) help.logDeep('am pausing the timer'); slot.timer.pause(); } }, helpers: { getMaxSizeArr: function(arr) { var len = arr.length, i = len - 1, retArr = []; for (; i >= 0; i--) { var minVpSize = arr[i][0], minVpWidth = minVpSize[0], minVpHeight = minVpSize[1], allowedAdSizes = arr[i][1]; if (window.innerWidth >= minVpWidth && window.innerHeight >= minVpHeight) { retArr = allowedAdSizes; break; } } return retArr; }, getSlotById: function(id) { for (var i = 0; i < ltk.ads.slots.length; i++) { if (ltk.ads.slots[i].id === id) return ltk.ads.slots[i]; } }, isOxAd: function(ad_slot) { for (var i = 0; i < OX_dfp_ads.length; i++) { if (OX_dfp_ads[i][2] === ad_slot.id) return true; } return false; }, isValidAd: function(ad_slot) { for (var i = 0; i < ltk.ads.excludedIds.length; i++) { if (ad_slot.id === ltk.ads.excludedIds[i]) return false; } return true; }, isAdOldEnough: function(ad_slot) { var timeSpan = Math.ceil(((new Date()) - ad_slot.timer.last) / 1000); var min = Math.ceil(ltk.ads.refreshInterval / 1000); if (timeSpan >= min) { if (ltk.ads.debug) { ltk.ads.helpers.log( 'see that ' + ad_slot.id + ' was refreshed ' + timeSpan + ' seconds ago' ); } return true; } return false; }, title: function(str) { console.log( '%c' + ltk.ads.helpers.getTime() + ' ' + str, 'background:black;color:white;font-weight:bold' ); }, titleDeep: function(str) { console.log( '%c' + ltk.ads.helpers.getTime() + ' ' + str, 'background:black;color:white;font-weight:bold' ); }, log: function(str) { console.log( '%c' + ltk.ads.helpers.getTime() + ' I: ' + '%c' + str, 'background:black;color:orchid;font-weight:bold', 'background:black;color:limegreen;font-weight:bold' ); }, logDeep: function(str) { console.log( '%c' + ltk.ads.helpers.getTime() + ' I: ' + '%c' + str, 'background:black;color:orchid;font-weight:bold', 'background:black;color:limegreen;font-weight:bold' ); }, logTimer: function(str) { console.log('%cI will ' + str, 'background:orange;color:red'); }, logTimerPaused: function(str) { console.log('%cI ' + str, 'background:green;color:white;font-weight:bold'); }, getTime: function() { var d = new Date(), h = d.getHours() + '', m = d.getMinutes() + '', s = d.getSeconds() + ''; h = h.length < 2 ? ('0' + h) : h; m = m.length < 2 ? ('0' + m) : m; s = s.length < 2 ? ('0' + s) : s; return h + ':' + m + ':' + s; } } } googletag.cmd.push(function() { var pubads = googletag.pubads(); pubads.set('page_url', location.href); pubads.collapseEmptyDivs(); pubads.enableSingleRequest(); pubads.disableInitialLoad(); googletag.enableServices(); }); if (ltk.type !== 'Slideshow') { ltk.ads.listen('impressionViewable', ltk.ads.handleImpressionViewable); ltk.ads.listen('slotVisibilityChanged', ltk.ads.handleSlotVisibilityChanged); } ltk.ads.listen('slotRenderEnded', ltk.ads.handleSlotRenderEnded); Bankruptcy Leads

Bankruptcy Leads

Leads

Bankruptcy leads are obtained by gleaning the massive database of public bankruptcy records. Trying to do this on your own is a time-consuming procedure. If you don't want to devote time to gathering the leads, companies who specialize in providing this service will be happy to help you.

What Is a Bankruptcy Lead?

When individuals or businesses file for bankruptcy, it clears them of financial burdens they cannot pay. While bankruptcy offers those who are bankrupt a fresh start, the end result is that their credit options are much more limited.

Whether you are an individual or a business, a claim for bankruptcy is submitted through legal channels. It is filed by the courts and public records are available through a database known as bankruptcy leads. This database hold a wealth of information about those who have filed including:

  • Name of company or individual
  • Address
  • Dates
  • The amount of debt
  • Income
  • Results of the bankruptcy claim

Those Who Benefit from Bankruptcy Leads

Companies who can benefit from bankruptcy leads use the information to advertise. You many wonder who would target people who have filed for bankruptcy. Basically two types of businesses target this segment of the population. First are the businesses that look for those who filed for bankruptcy and were not granted their petition. In these cases, companies who help people manage their credit know who to contact based on the results of the bankruptcy claim found in the bankruptcy leads. Remember, this database provides the name, income and amount of debt owed. It removes any guess work, and debt consolidation companies know exactly what services to offer.

Bankruptcy leads can also benefit businesses and individuals who have successfully filed for bankruptcy. Just because much of their debt is erased does not mean they are totally out of the woods. Often they are in the market for a loan, but most lenders steer clear of bankrupt people until they restore their credit history. That makes getting a traditional loan harder and sends those who have claimed bankruptcy to look for an alternative resource from which to borrow money.

Businesses that Use This Information

A variety of businesses use the data found in the bankruptcy leads database to build their customer base and/or run their business.

Credit Report Firms

Credit report firms include bankruptcy data when calculating your credit score. As a result, obtaining a loan can be directly influenced by whether or not you have gone bankrupt.

Mortgage Companies

Mortgage companies use the information found in bankruptcy leads to determine whether or not an individual's credit and debt load make them a worthwhile candidate for a loan.

Car Dealers

Much like mortgage companies, car dealers use bankruptcy leads to figure out whether or not a potential client's credit is trustworthy enough to make a car payment.

Credit Card Companies

Credit card companies also calculate debt load and whether or not they merit extended credit through the use of a credit card account.

Types of Bankruptcy

Another factor companies take into consideration when using the bankruptcy lead database is what type of bankruptcy was filed for and/or granted. In all, there are six types of bankruptcy in the United States:

  • Chapter 7
  • Chapter 9
  • Chapter 11
  • Chapter 12
  • Chapter 13
  • Chapter 15

The most common of these are Chapter 11 for businesses and chapters 7 and 13 for individuals.

Companies Who Consolidate the Information for a Fee

If you own a company that can benefit from bankruptcy leads, it's important to note that gathering and categorizing the information can be time consuming. As a result, today there are companies that specialize in providing the information you're looking for. Since the type of bankruptcy filed will dictate what kinds of financial services a debtor will need, companies whose services distill this information will be able to sell lists applicable to services your business offers. Here are a few online resources for companies who provide bankruptcy leads as a service:

Bankruptcy Leads