Loan Assistance Information (Questions and Answers) for Lenders, borrowers

I do BAD AND UGLY LOANS……..but I think I have one that is going to be a MAJOR challenge;
State:  Colorado  (no license needed)
Refi:
Ficos:  466 &  432
Many scary things in file.  Client says it is because of illness. My experience has taught me to “drop kick” this one……but thought I would give you all a chance to comment.  I thought that telling him to go bankrupt. Also, try a bail out investor on a foreclosure.  ANY THOUGHTS?????