Legal Question in Credit and Debt Law in Georgia

I did a deed-in-Lieu of foreclosure a few years ago on a home equity loan secured promissory note and deeded land lot. Five and half years later the bank is now trying to collect the $85K deficit. Upon receiving collection letter from lenders's legal representative, I requested proof of original loan documents & payment history. I received a 1-page photocopy of my payment history along w./ a form letter stating it was unnecessary and overly burdensome for the bank to produce original loan documents. I realize I owe the money and am not attempting to argue that point. I was just genuinely curious to know if the bank can legitimately produce the original loan docs could be produced SINCE THE ORIGINAL LENDER HAS MERGED TWICE OVER since the loan was initiated.
BUT NOW I WOULD REALLY LIKE A DIRECT ANSWER TO THE QUESTION ...... CAN A BANK "JUST SAY NO" TO A REQUEST TO PRODUCE ORIGINAL LOAN DOCUMENTS BECAUSE WE'RE TOO BUSY OR TOO BIG?

Asked on 2/16/17, 12:00 pm

Glen Ashman Ashman Law Office also dba Glen Ashman Attorney

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Obviously not, and if your original request was well-worded, sit down with a lawyer as to a case versus the bank. .

Andremember, youhave an 85K problem that requires a lawyer anyway.

Answered on 2/18/17, 6:31 am

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