I know from personal experience that higher offers with no contingencies and capability for quick closing aren't always accepted by sellers. Most likely, because they are never presented to the seller. Use local agents, get three Comparative Market Analysis and be cautious. Stop Foreclosure with Bankruptcy Bankruptcy does NOT STOP foreclosure. It puts a hold on foreclosure which can allow you time to reorganize your finances.
Every area has reputable attorneys who handle bankruptcies.
Spend the time to find one and spend the time to know what you have to do and when. Mistakes can cause things to get very bad very fast. The most common scam happens either during or after the foreclosure. Person breaks in to a vacant house, changes the locks and then rents the property out. Another variation on this same theme is a person giving an owner in foreclosure a cash amount for the equity in the home.