I remember someone stating that financial documents are not required for a short sale when the seller has included the home into their BK 7.   So, when you make first contact with the lender(s), do you just say that the seller filed but want to short sale to get their name off the title?  Or is it better to get the financials and then have them ready?  that is what I have always done and if it doesn't have to be done then why add more work.  I would love feedback SSS friends.  :)