For a decade, Titanium Holdings Inc. has performed a simple service for the mortgage industry: knock on doors, find out if someone still lives inside and, if so, urge the delinquent borrower to contact his or her lender.

This year the Obama administration's plan to stem the foreclosure tide has prodded the Salt Lake City company to expand beyond mere outreach. Titanium's 350 employees and the 9,000 real estate agents it contracts with are now sitting down with borrowers, explaining the terms of loan modifications and leaving homes with piles of signed documents.

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