If you don’t completely understand your defense narrative, neither will the judge! If you don’t have a defense narrative in mind, you don’t have a defense.
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The defense narrative is a blueprint for guiding the strategies and tactics of defense of a foreclosure action. It is not necessarily what you say to the judge or write in a pleading or memorandum. It is your theory of the case. In all court cases the litigants are required to make certain assumptions of fact and law to arrive at a conclusion that is satisfactory. If you don’t have a case narrative then your presentation will be chaotic and will not be persuasive, because it doesn’t make any sense.
This is a program intended to expand your awareness of procedural law which is the basis for all judgments and orders entered by any court. The rules of procedure and the laws of evidence, presumptions and inferences are not well understood by most lawyers much less pro se litigants who have no legal training. But procedure is where the homeowner can win — if you understand your own side of the case. That is the defense narrative.
Homeowners win because of one simple fact: the opposition doesn’t have the goods. The opposition doesn’t own the debt. The opposition isn’t seeking to recover on a debt because they have no intention of turning any money over to anyone who actually owns the debt because they paid for it.
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