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Deadly Clear 
Garfield’s lead comment in his last paragraph, “What they say is mostly true but it isn’t evidence …”
Judges in foreclosure cases don’t typically allow evidence to get in the way of their predetermined rulings. They rule the way they want (facts, evidence, and rules, be damned) with attitudes of:
1) Mr/Mrs homeowner, if you don’t like my ruling take it up on appeal [if you can afford it].
2) You want me to rule for you? Try and make me. I double dog dare you.
3) I can get away with whatever you can’t stop me from doing.