scott:
<font size=1>"But I went bonkers yesterday...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."[/color]
When attempting to succeed at anything, personal conviction is of paramount importance. Of course, no one can give you that. Then there is knowledge, and your understanding. Yes, there is a "scam" going on, but the very first step of taking actions based on it would be to understand which party is perpetuating it [the banks, or the people who discover the truth].
Here is another case that was won against the bank on a mortage.
http://www.worldnewsstand.net/money/...oney-case.html
I don't quite understand how you thought what you are doing was a great idea until just yesterday. This ordeal must have been going on for many months now in order to have a court date next week, correct?
Also, to better enable people to contribute ideas, you may want to describe the steps that you have taken thus far to bring people up to speed with your issue. (i.e., what actions you have taken thus far).