Total hat tip to Bill Paatalo There are two takeaways of major significance here. Review of electronic records is not review of original records.

Possession of note does not mean that debt was paid for or transferred. https://law.justia.com/cases/new-york/appellate-division-third-department/2019/526630.html

We’re getting closer and closer to the truth when the high courts begin to demand and require…

Source: Not all courts are ignoring the law. Some are ruling for homeowners based upon basic premises contained in my articles