Little trick I learned here:
I was just out in the garage a few minutes ago and one of those door to door solicitor parasites walked up and said "excuse me, are you the homeowner?"
i said "the bank owns more of than I do" (which isn't true, but play along).
He asked "are you unhappy with your electric bill?"
I said " I haven't paid my electric bill in three months. Haven't made a house payment in 12 months either!" He quickly walked away
I normally don't tell lies but this little white one was fun