{"id":418,"date":"2014-11-20T21:29:13","date_gmt":"2014-11-20T21:29:13","guid":{"rendered":"\/?p=418"},"modified":"2014-12-29T17:31:21","modified_gmt":"2014-12-29T17:31:21","slug":"homeowner-not-entitled-to-require-lender-to-produce-original-note","status":"publish","type":"post","link":"https:\/\/www.burrismacomber.com\/homeowner-not-entitled-to-require-lender-to-produce-original-note\/","title":{"rendered":"Homeowner Not Entitled to Require Lender to Produce Original Note"},"content":{"rendered":"<p>Division One of the Arizona Court of Appeals recently shot down yet another attempt by a homeowner upside down in his property to avoid foreclosure.\u00a0 In <em>Waltner v J.P. Morgan Chase Bank<\/em>, the trial court dismissed the homeowner\u2019s suit as yet another \u201cshow me the note\u201d attempt to enjoin a trustee\u2019s sale.\u00a0 In bygone years the holder of a promissory note was required to be able to produce the original note at the trial of a judicial foreclosure because there was always a possibility that the holder of the note had assigned it to someone else and had no further interest in it.\u00a0 Such a requirement in today\u2019s world would apparently be \u201cinconvenient\u201d for the banks who more often than not are assigning the interests in such notes <em>en masse<\/em> over and over, \u2018and where it stops nobody knows\u2019. The Court of Appeals ruled that there is no such requirement at all to hold a trustee\u2019s sale.\u00a0 Presumably, if the homeowner could prove that someone other than the purported beneficiary of the deed of trust was the actual owner of the note and deed of trust, the Courts might grant some relief.\u00a0 As it is, the Courts appear to consider the fact that the homeowner acknowledges he has missed his payments so it only makes sense that this would come to the attention of the entity which has the right to receive the payments and they would commence a foreclosure.\u00a0 As long as the legislature is happy with these interpretations, they will continue.\u00a0 The legislature could change such requirements very easily and require the beneficiary of a deed of trust to produce the original note upon demand by the trustor.\u00a0 Not likely to happen.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Division One of the Arizona Court of Appeals recently shot down yet another attempt by a homeowner upside down in his property to avoid foreclosure.\u00a0 In Waltner v J.P. Morgan Chase Bank, the trial court dismissed the homeowner\u2019s suit as yet another \u201cshow me the note\u201d attempt to enjoin a trustee\u2019s sale.\u00a0 In bygone years &hellip;<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","wds_primary_category":0,"footnotes":""},"categories":[5],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Homeowner Not Entitled to Require Lender to Produce Original Note - Burris &amp; MacOmber, PLLC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.burrismacomber.com\/homeowner-not-entitled-to-require-lender-to-produce-original-note\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Homeowner Not Entitled to Require Lender to Produce Original Note - Burris &amp; MacOmber, PLLC\" \/>\n<meta property=\"og:description\" content=\"Division One of the Arizona Court of Appeals recently shot down yet another attempt by a homeowner upside down in his property to avoid foreclosure.\u00a0 In Waltner v J.P. 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