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‘When you borrow money and use the property as security for a debt, you still own it, but the bank has a lien, meaning they have a claim which they can enforce if you don’t pay the debt. That’s what you would call a foreclosure and the bank could sell the property to collect what you did not pay. ‘When you pay off the debt, the lien is released and the bank’s interest goes away. If you don’t pay taxes or home improvement money, it acts the same way as the bank’s lien. The debt and release become documents affecting ownership. ‘Now about your dad who died without a will, I’m sure you already know but I’ll tell you a few things anyway. Because this is a community property state, a wife who already owns half, inherits one half of his interest and their children divide the remaining half. The wife would then own three–fourths and the children combined would own the remaining one–fourth. If one of the children died before the father, their other children inherit. If Marie had had a child,. . .’ I stopped for a few seconds. ‘. . . wallet.’ ‘But your wallet was in this case.’ She patted the case on the desk. ‘I realised that just then. Whoever it was that is responsible for this will have had plenty of time to fly to Melbourne and kill my wife, then drive my car to the airport and leave it there. If he wasn’t as tall as me he will have had trouble driving it, because of the seat memory, you see when the car is unlocked using my key the seat adjusts to my setting and seeing as how I’m fairly tall and have long arms, the seat is set a long way back on the tracks. My wife drives it from time to time but she’s much shorter than I am so her key sets the seat much further forward. I would assume that whoever left it there would still have the keys.’ ‘Can the car be accessed without the keys?’ ‘No, any attempt to force the door locks or hot wire the ignition will automatically shut down the computer, which then has to be fully reset and that takes time, and costs a lot of.
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