Chain of Title Request

Dear Sir/Madam:

I am the borrower on the above-referenced loan. This is a formal demand for complete documentation proving the chain of title from the original lender to the current claimed holder of my promissory note and deed of trust/mortgage.

I DEMAND THE FOLLOWING CHAIN OF TITLE DOCUMENTS:

1. COMPLETE TRANSFER HISTORY OF PROMISSORY NOTE:

• Original promissory note showing my signature
• Each endorsement from original lender to current holder
• Dates of each transfer
• Names and signatures of endorsers
• If endorsed in blank, proof of physical possession
• Any allonges attached to the note
• Powers of attorney for anyone signing

2. ALL ASSIGNMENTS OF DEED OF TRUST/MORTGAGE:

• Original deed of trust/mortgage
• Every assignment from originator to current claimant
• Recording information for each assignment
• Notarization and witness information
• Corporate resolutions authorizing assignments

3. PURCHASE AND SALE AGREEMENTS:

• All agreements for sale of the loan
• Consideration paid for each transfer
• Bills of sale
• Assumption agreements

4. SERVICING TRANSFER DOCUMENTATION:

• All servicing transfer agreements
• Notices of servicing transfer
• Distinction between servicing rights and ownership
• Power of attorney from owner to servicer

SPECIFIC QUESTIONS REQUIRING ANSWERS:

1. Who currently holds the original promissory note?
2. Where is the original note physically located?
3. Has the note ever been lost? If so, when and how?
4. Was the loan securitized? If yes:
   • When was it transferred to the trust?
   • Did transfer occur before trust closing date?
   • Was the PSA followed?
5. Has MERS ever claimed to transfer the note?
6. Are any assignments executed by people no longer employed?
7. Were any documents created after default/foreclosure initiated?
8. What authority does the servicer have from the note holder?

LEGAL CONSEQUENCES OF BROKEN CHAIN:

Be advised that a broken chain of title has the following consequences:

• No standing to foreclose
• No right to collect payments
• Possible quiet title action by borrower
• Criminal liability for fraudulent documents
• FDCPA violations if not true owner

PRODUCTION DEADLINE:

You have thirty (30) days from receipt to provide ALL requested documentation proving an unbroken chain of title. Partial responses or "to be provided later" responses are not acceptable.

FAILURE TO PROVIDE CONSEQUENCES:

Your failure to provide complete chain of title documentation will be evidence that:

• You lack standing to enforce the note
• The chain of title is broken
• You have no right to collect payments
• Any foreclosure attempt would be wrongful
• Documents may have been fabricated

RESERVATION OF RIGHTS:

I reserve all rights including:

• Right to challenge any assignment as fraudulent
• Right to demand discovery in litigation
• Right to depose all signers of assignments
• Right to criminal referrals for document fraud
• Right to quiet title based on broken chain
• Right to damages for slander of title

Sincerely,

_________________________________
[YOUR PRINTED NAME]
Borrower
Date: [DATE]

cc:
[Your Attorney - if applicable]
Consumer Financial Protection Bureau
[Your State] Attorney General
[County Recorder]