He probably thought I was a drug dealer.

Recently, I was notified that dealers like Lexus have reduced that to 7,500 per year AND increased the per mile penalty!

I'm told just around the corner there is quite a bit of drug activity and police are often on patrol in the area. 

The great thing about direct response marketing is that uou can target who you want to do business with (and who you don't).For the same reason that you may not be on the local Rolls Royce dealer's mailing list, you may decide to omit certain names from your leads list as they may not fit YOUR criteria.Odds are that a 25 year old delinquent tax history has got quite a story behind it (think Erin Brockovich).

Trulia's crime rating says lowest and has two drug related crimes reported near that area but that's it.   

Sure, people get shot occasionally but it's mostly because of a drug-deal gone bad or because someone stole $5.

Granite Shopping is like car shopping, each dealer has different color options  and prices (which vary widely).

Might be a bad example with shady car dealers, but the collateral.This has been gone over several times on BP, search "stepping in the shoes of the lender" that may bring up several threads.Marylyn, yes, you buy at a discount and you're entitled to all amounts outstanding under the note, together with costs of collection.

Are they a broker-dealer or affiliated with one?

I've had doors kicked in, drug trafficking, a beaten tenant, $400 leaky faucet repair bills, etc etc..... and that was with a good property, in a good area, with a good property manager....No matter what is said on any forums, for now, I've narrowed my view down to this......My wealth needs to come from about 50% stocks and 50% REI.