may have no idea who owns that mortgage, what we do know is that you, american homeowner, have not been paying your mortgage, and as a result regardless of who owns it, we know that we need to take it from you. and i d be interesteded in your thoughts on that counterargument. i understand that counterargument, but the bottom line is this. as much of a legal obligation that a borrow has to pay their mortgage and if they don t do so in a timely fashion, they should lose their home. so too does the lender and mers on behalf of the lender have the obligation to prove in court and that they have legal title of the property they seek to foreclose on. this is about accountability in the rule of law. each side has to fall the rules. ic what you see, whether it be in wall street or the tea party or americans and middle class americans across this country, a lack of accountability on all sides. what we re trying to do in delaware, and this is a very delaware-specific thing, although i predict