dude. I think i responded to your issue earlier.

what you will find is that the so called "loan" was sold by the bank to either a mortgage company or sent to the Federal Reserve directly.

the only thing you need to do is insist on inspecting the ORIGINAL NOTE!

Go ahead...tell them you will pay off the amount due, but you want to inspect the original note!

they won't be able to produce it!

guess what, no note..no debt.

i've used it at least 6 times on debt collection scumbags and it's worked every time.

fuck them and their bogus papers.

forget the strawman bullshit. it's true to a degree, but its so convoluted no one has ever made it work.

NO NOTE NO DEBT. that is well rooted in commercial law, but people are too stupid to get it.

and fuck those people that say it can't be done.

and OP....you didn't pay a cent for this info.