posted on Jul, 19 2008 @ 11:29 PM
I've read all the threads, and here's my best guess. If you live in a nice neighborhood, with fairly nice homes, somewhat expensive, then the
person that you describe might be the local banker or loan officer taking pictures of their collateral.
As the economy is deteriorating, a lot of bankers are out taking pictures of houses, cars, and other collateral to determine how they plan on pursuing
foreclosure and repossession.
The banker was taking pictures of your car because he thought that the car could possibly be additional collateral he could repossess - because he
thought the car might belong to the owner of the house - your landlord - who is default on their loan.
If the landlord of your house defaulted on their home loan, and the landlord personally guaranteed the loan, the banker could try to go after
repossessing the car too. Naturally, he can't do that, because the car belongs to you, not the landlord. The banker is fishing for collateral to
shore up the defaulted loan. It could be that the landlord owes more than the house is worth, and the banker would want to sue the landlord to take
the house and the car.
My guess is that your landlord is in trouble, and is behind on their mortgage payments. The guy that you described - older, nice clothes, etc. -
sounds like a typical banker from your local community bank. Or a loan officer or collection officer from the bank.
He didn't want to have you notice him because he is trying to gather information on the debtor without being noticed.
This is a perfectly rational explanation. Now, it also could be a realtor, or someone working for a large developer that wants to purchase your
house. That seems unlikely. Given the economic climate right now, with the massive amounts of defaults and foreclosures, I bet you have a banker
just checking out his collateral - but doesn't want any attention drawn to himself.
If you are really scared, move. Buy the book, How to Be Invisible, and rent another place. I personally would just hold tight, call your landlord
and ask some point blank direct questions of the landlord - preferably face to face - and gauge their reaction.
You might be able to find out who has the loan on the property, and try to determine if the loan is in default. That might be difficult to do,
because banks cannot release private information. Or you could call the bank and ask them about your home and see if it is in foreclosure - acting as
if you were an investor looking for a deal.
Worst case scenario, you may be sending your rental checks to the bank if your landlord goes bankrupt, which is happening a lot. If your landlord had
too much debt, or a drug or drinking problem, or a gambling addiction, they may not be paying their mortgage note.
This is my best guess. It could be something more nefarious, but bankruptcies, and mortgage defaults are very prevalent right now, and a lot of
bankers are on the street taking pictures of their collateral so they can sue the debtor - in this case, your landlord. I wouldn't be too alarmed
just yet, unless you start to see additional strange things happening in the neighborhood.