I don't know this for sure -- but I have a feeling that they likely prefer to go the foreclosure route b/c they can then the property back more cheaply while at the same time writing the "losses" off. For example, if someone still owes $40,000 on a 250 point direct contract (let's just assume it was $50,000). During foreclosure -- the contract sells for $25,000....to Disney's purchasing arm.
Disney financing writes the loss off for $15,000 and DVD gets to flip the points and make another $25000 selling it direct again.
If that is allowed, that's not a bad business plan.