Ok, Let's put our heads together.



First, the bank that (my commercia person) did a mortgage with is no longer in business. They merged into a big conglomerate.



Now, we have several pieces of the chain that are missing.



1. No certified verification has been presented.



2. The new bank has appointed a substitute trustee. They didn't have the authority to do that if they weren't the Note Holder, and thus the new trustee has no legal authority to act.



I need to compel the bank to produce the evidence that:



a.) they have certified verification

b.) that they are in fact the holder of the note



I cannot go into chapter 11. Short version is that I have no $$ to proceed as I need to proceed.



I need to do the Land Patent, but I haven't the time during the week when they are open for searches,



Quite frankly, it's crunch time, and I am crunching for all I am worth.



Another point:



The original note says that the first bank is the lender. The reassignment of Trustee says that the current bank is the lender. Hmmm