Just ask them to produce the ‘wet’ note as required. When they can’t asked them why they will either have to admit that they purposely destroyed and/or then used the shadow mortgage in a commission of a crime selling it mutiple times it mortgage back securities that are worth the paper they are written on.
There’s no judge going to over looked that the bank’s destoryed their own paperwork then used the fact that they had destoryed it in order illegally move/sell the mortgage.
That would be like giving a loan shark all the profits from his loans after he admits to loan sharking.
I don’t care what your excuse is. If you refuse to make your house payment you are a cheat and a thief.
Stop trying to steal from others and pay your bills.