I emailed my landlord today and told him what had happened and sent him a copy of the collection note the gentleman taking pictures left for me to give him. I asked him to please advise me if there was a problem. His response to me, was that he has been trying to refinance for months and the bank is jerking him around.
I do know for a fact that his house he is living in currently is being foreclosed next month and It is already listed on a website for the law firm for the mortgage company. And it also been listed in the public notices section of his county's newspaper. So, I am skeptical with his response.
Do you believe if he indeed is trying to refinance that the gentleman that took the pictures would leave the collection notice? I do live in a different county, I know foreclosures vary by state but do they also vary by county?
Thanks for all the information you gave me, I appreciate your insight.