For 12 years or so the “assignments” (transfers of ownership) were nothing more than a name change on one line of a spreadsheet,,, NEVER LEGALLY SIGNED, NOTARIZED or RECORDED AT YOUR COUNTY COURTHOUSE ... This is where the foreclosures fail ,, the lawyers are forging proper assignments (years after they should have actually occurred) and offering them as “evidence” of ownership...
The homeowners owe “somebody” , the discovery of who that “somebody” is and what they owe is being blocked... and false lenders are substituting themselves as the “party in interest” ... It’s a KLUGE.
I’ve considered requesting this information from my mortgage servicing company. I’m sure it would require a subpeona.