America, please accept my humble apology for the behavior of the lawyers who are currently prosecuting foreclosure cases while knowing full well that the banks lack the paperwork to properly back up their claims.
It takes a lot of nerve to go to court and argue to a judge that what you have is really the equivalent of what the law says that you need, arguing that the judge should find that you've met your burden of proof, even though you haven't, and who needs that smelly old original note anyway? I'd hate to try it, and if I were the judge, I pity the fool who would try it with me.
I apologize as a lawyer in good standing (California). Someone else will need to come forward to apologize for the judges.