I'm just curious to hear some discussion about the wisdom of bringing counter claims when you end up defending your foreclosure. After all, you are likely arguing that your opposition has no rights to the note or the mortgage.
Another right they do not have is the right to discharge your note to the extent of the amount paid so you are actually damaged.
If they have no rights to the note then they are by default debt collectors under the FDCPA. The FDCPA has a one year statute of limitations but your state will have a lookalike law with a longer time limit. Just about anything they send to you violates 2 or 3 provisions of the FDCPA when they have no rights to your note.
My argument is that as long as they have a foreclosure action alive against you they continuing to violate those federal and state statutes. So the one year limitation does not apply or it starts from the last motion they filed.....
The amount of counter claims available seems staggering.