Theft by the banks or the people the banks failed to prove their case against?
I wonder how many time this situation has come up: banks or the holders of mortgages cannot establish clear title of ownership of the debt instrument, given that the original mortgage has been bundled or resold multiple times. I bet there are situations where the supposed mortgage holder does not even know where the house is located. The debtor should not be rewarded for non payment nor should the mortgage holder be rewarded if they failed to do proper due diligence and legal filings to protect their legal interests.