Thanks for the cites. I'm actually new to this site but am glad to see others doing what I'm doing, which is fighing my mortgage company in federal court (I started this) while at the same time fighting foreclosure in state court (they started).

Most urgently, I'm fighting foreclosure. The judge will decided on offering a summary judgment next week. But I've got the main gist of what you're talking about in both cases; that my note was an ultra vires contract because they don't have authority to loan credit, that they didn't disclose that to me, that they can't provide the original note, that they didn't give consideration, that they didn't use "lawful money" but "credit money" in their ledger, that they never signed the note, etc.

I'm pretty positive they won't produce the note. I was even informed in the mail several months back that it had been sold to someone else.

But I went bonkers yesterday freaking out with doubt about all of this stuff. Wondering if it was a scam approach that I had convinced myself had merit. So my question regarding your cites:

Do you know of people who have succeeded with this? Real people. Real cases.

That's my biggest thing right now. I need to find people who've been through it who can give me a word of encouragement, that I'm doing the right thing, that I'm right, that I have a chance.

In my federal case I'm submitting documents tomorrow contesting a disputure resolution agreement which requires I arbitrate before the AAA. I want to arbitrate in the ADR program of the court.

All help and replies appreciated.

Hey how do I make my response left-justify?