Thanks for the info. That was very helpful.
I've been worried about too many peeps as well. I have MERS, the Bank, the Bank's servicer, Bank's legal counsel, the substitute trustee who is owned
by bank's legal counsel and FNMA, who the bank now says is the investor that owns the loan. So six defendants.
If I don't bring MERS in, the Bank surely will. And if I don't bring FNMA in, they can pursue their own foreclosure action while my suit is pending (I think).
This isn't legal advice but FNMA itself will not sue individual borrowers.
I was going to serve the summons via certified mail, return receipt requested; so each one will run about $8.00 .
Again, this isn't legal advice, but in my opinion, A certiﬁed mail receipt may not satisfy the requirements of F.R.Cv.P. 4., if the party being served decides not to waive actual service.
In some jurisdictions for mail service, you have to include something like a "Notice of Lawsuit and Request for Waiver of Service for Summons," or some form of an acknowledgement response that is signed by a corporate officer.
Others, like California require that someone other than a party to the case do the mailing.
Check your local rules carefully.
FYI - six named defendants should easily fit on the first page of your complaint.