David,
You are so right. This is from a case I did some research on. I just wonder how much it differs from mine. As they've never notified that their servicing my debt for someone else. This is from a case a lady has fought in bankruptcy court. Elaine Vincent Case # 07-40262.
Also another interesting case was won in NY recently.
This case shows progress is being made.
Mortgage Daily: N.Y. Foreclosure Case Sends Shockwaves - March 27, 2008
New York's Supreme Court has blocked a mortgage lender from foreclosing on a borrower who committed mortgage fraud because of violations to the state's predatory lending laws by the originating mortgage broker.
Sorry, this is the best link I can find for the case. Maybe someone can locate and post the actual Decision.
http://www.kelleydrye.com/resource_c...0to%20Come.pdf