Bankruptcy Program · Mail + Leads

Handwritten mail and search leads for bankruptcy buyers.

A handwritten bankruptcy mailer that has been our proven core for 7 years, plus a digital lead product that brings Chapter 7 and Chapter 13 buyers to your store between drops.

The Integrity Leads bankruptcy post-it note mailer: personalized letter, pre-qualification voucher and handwritten sticky note
  • 7yrsrunning bankruptcy mail for dealers
  • 1.2–1.6%response across three straight drops for Kia of Wesley Chapel
  • FreeChapter 7 and 13 counts for your market, usually within one business day
  • 24/7digital leads keep buyers coming between mail drops

There is no competitive advantage on bankruptcy data. Everyone pulls from the same well. The piece you send is what makes or breaks the campaign.

Ryan Coe, Managing Partner, Integrity Leads
PART 1The bankruptcy mailer · the core

Two pieces that get opened.

Every campaign pulls from public bankruptcy records, the most reliable source we have found. The response depends on the piece we build from each record.

Flagship
BK Post-It Note mailer sample

The BK Post-It NoteHands down the best bankruptcy piece we have ever put out.

  • Personalized letter with the recipient's file date, chapter and case number
  • Handwritten envelope and a personalized handwritten post-it note
  • Autopen technology: true handwriting, not printed to look handwritten
  • Live stamp, pre-qualification voucher, bilingual callout
  • Postal receipts on request. Phone tracking on every campaign
$1.45*per piece
12–14 daysproduction

The autopen is worth the wait.

Rotation piece
BK Card mailer sample with embossed credit-card style card

The BK CardAn embossed credit-card piece we have mailed for years.

  • Embossed card with variable data, attached to the letter
  • Same file date, chapter and case number personalization
  • About 85–90% as effective as the post-it note
  • Faster turnaround when you need a drop out quickly
$1.35*per piece
7–10 daysproduction

Keeps the mailbox from getting predictable.

*Quantity may affect price.

How a drop works

How a bankruptcy mail drop works.

  1. We pull the filings

    Recent Chapter 7 and Chapter 13 filings in your market, straight from public court records.

  2. We produce the piece

    Letter, handwritten envelope and post-it, all personalized with the recipient's case details and your store.

  3. It drops with tracking

    Every piece carries your campaign phone number and a unique code, so each response traces back to the drop.

  4. The calls come in

    Recipients call, text or visit to verify their offer. Every response is tracked and reported back to you.

Sample campaign results

Real, trackable response from a current dealer partner.

Three consecutive drops for Kia of Wesley Chapel. Response held between 1.21% and 1.62%, tracked by phone on every campaign.

Bankruptcy mail results for Kia of Wesley Chapel, three drops from February 2025 to February 2026
CampaignMail piecesLeadsResponse
Feb 2025 dropFeb 4 to Jun 30, 20253,570581.62%
May 2025 dropMay 9 to Sep 30, 20255,710851.49%
Oct 2025 dropOct 16, 2025 to Feb 28, 20264,283521.21%
Three dropsFeb 2025 to Feb 202613,5631951.44%
195tracked leads from 13,563 pieces, one store, twelve months
Campaign tracking dashboard showing three bankruptcy mail drops with pieces, leads and response rate

Tier 1 Short Credit campaigns. Leads counted as tracked phone responses to the campaign number and code. Results vary by market and inventory.

PART 2Bankruptcy leads · the add-on

Leads that bring bankruptcy buyers to you between mail drops.

What the customer sees on Google: a Bankruptcy Auto Loan search adChapter 7 · OpenChapter 13 · DischargedPersonalized to your store

The lead program is 100% digital. We run Google campaigns built only around bankruptcy and auto-loan searches, and we manage the bids, the pages and the cost so you don't have to.

  • 01 · SEARCH

    A buyer searches "can I get approved for an auto loan after filing bankruptcy."

  • 02 · CLICK

    They see our ad and land on a page personalized to your dealership.

  • 03 · LEAD

    They submit, and the lead lands with you. Leads come in around the clock, all month.

Each lead includes

  • Name
  • Address
  • Phone
  • Email
  • BK type: 7 or 13
  • Status: open, discharged, dismissed
  • Customer comments
$495per month + ad spend

Ad spend is set for your market. We'll walk you through the lead volume and cost to expect on a call.

Our consumer-facing brand

What your customer sees before they ever submit a form.

BankruptcyAutoLoan.net speaks to the buyer in plain language: you can get approved during or after bankruptcy, here is how, and here is the dealer who will help. The page introduces your store by zip code before the form is submitted.

  1. STEP 1Apply and get pre-qualified
  2. STEP 2Match with the right lender
  3. STEP 3Get approved and drive
Backed by a network of five lenders that specialize in bankruptcy financing, with same-day approvals for open Chapter 7 filers, zero-down options, Chapter 13 court-approval assistance and reporting to all three bureaus.
"I recently filed for bankruptcy and have been turned down several times and really was about to give up. I was matched with a dealership that not only did help but wanted to help."Buyer feedback, BankruptcyAutoLoan.net
A smiling car buyer
SAME-DAYOpen Chapter 7 filers can often be approved the same day they file.
YOUR STORE, FIRSTThe buyer meets your dealership on the page, before the form.

Dealer spotlight

Over 50 mail campaigns in, and still a great source of leads.

"We’ve had a really good experience with the bankruptcy mail program. We typically get a good amount of quality leads from the mail, and I work with those leads directly, so I’ve seen firsthand how effective it can be."
Walt Sweeny Auto SalesCincinnati, OH · bankruptcy mail client

Best month: 19 cars sold

Read the full review

Our recommendation

Start with mail, then layer in leads.

Mail reaches buyers on a schedule, and leads keep them coming in between drops.

  1. Get your free counts

    Tell us your store and market and we email the number of recent Chapter 7 and Chapter 13 filings in your area. Request counts

  2. We map the first drop

    Piece, quantity, timing and tracking number, sized to your market and your inventory.

  3. Add leads when you're ready

    Turn on the digital program to keep bankruptcy buyers coming in all month.

Questions dealers ask

Does the buyer have to be discharged first?

No. The piece says it plainly: the bankruptcy does not have to be discharged, and the 341 meeting of creditors does not have to be complete. Open Chapter 7 filers are often the fastest approvals.

Where does the mailing data come from?

Public bankruptcy court records. Everyone in this space pulls from the same records, so the piece itself decides how a campaign performs.

How do I know what a drop actually returned?

Every piece carries a campaign phone number and a unique code. Calls and codes are tracked and reported, and postal receipts are available on request.

How long from order to mailbox?

The post-it note piece runs 12 to 14 days in production because of the autopen handwriting. The BK card runs 7 to 10 days.

Can I run leads without mail?

Yes. We recommend starting with mail because it has the longer track record, but the digital program can run on its own.

See how many bankruptcy buyers are in your market.

Free counts by chapter, usually within one business day, with no commitment. If the numbers look good, we'll show you the program behind them.

Call 866-973-4337Get Started