Sounds like you had a little victory. By what you wrote sounds like the Judge was not impressed with the bad guy. I have never been to court and I don't understand the legal process, but apparently you have a great deal of knowledge--good for you. I think it is amusing that the judge was not impressed with the fact that the bad guy made sure he got in that bit about you not paying your mortgage. I am not sure if that is the case, but if it is, you could bring up the fact that even if you did send in a payment the bank wouldn't accept is anyway. Also, how the bad guy thinks fraud is a technical issue, good for the judge in putting him in his place. Keep up the fight, good luck.