Avoiding Foreclosure in Residential Real Estate

This is not as simple as requesting that the lender "produce the original note" that you signed.

That will stall for a period of weeks or months, but: You've been paying the mortgage. Why?

Because you know that you owe it. What other payments do you make voluntarily?

Further: You're living... for free? In America, the home of Capitalism?
Is the home paid for? The title company would have record of that.

So, the Lender says: "Produce the evidence of payoff".

Now, you either hire an attorney with money you don't have, or foreclose. Very sorry.