Who are the Noisiest Voices Accompanying Foreclosures?

Any realtor who has listed bank-owned properties knows the not-too-quiet voices of ????

Any realtor who has dabbled in showing bank-owned properties knows the not-so-quiet voices of ????

Any realtor who has toured bank-owned properties for his or her clients knows the not-so-quiet voices of ????

Who the heck are these not-so-quiet voices?  "Not-so-quiet" may be a misnomer for this crowd. 

So here's the challenge question: To whom do these voices belong?  What do you think?  I'll share my answer on Sunday, and I'll announce the winners (i.e., the most interesting and witty answers, from the most fascinating of characters).