If you are a little shy about taking your certified check to the courthouse steps, then looking in the MLS for BANK OWNED/REO properties is probably your best bet. There are several ways to find them.. quickly. One is hook up with a great agent (like myself) or in today's do-it-yourself world, you can sign up for automatic notifications by using my buyer/seller toolkit. Sign up on my website http://www.InteroRealEstate.com/JBateman. When setting up a search select 'Bank-Owned/Reo' in the 'additional listing info' box. Email me at jbateman@InteroRealEstate.com for assistance.