and the judge then sayeth:

"...the bank has provided a statement of account that shows you owe them $$$. this is satisfactory to me. judgement for plaintiff in the amount of..."

now you are left to appeal and blah blah blah.

while i agree with where you are going dash, this is what i forsee as happening as it nearly happened to me until i declared bankruptcy and stalled it, perhaps permanently...the courts don't really give a crap about all that detail. they (the judges) scan the file and make a determination based upon surface reading, presuming you are guilty all along. it is very difficult to get them to admit you may actually be right. this is my experience so far, though limited. i know i sound negative, and i don't mean to be, however, real cases with real results that we can cite using our "theories" is what we need to win.

jon