| You can file on your own. But, this proof of right claim is pretty specialized. The banks/lenders have been a bit casual about all the legal proof needed to foreclose. That does not mean you don't owe the money or that you haven't lived up to your responsibilities. Try it, see what happens. At the end of the day your credit will be ruined, you will be out of your house and all you may get is a few months while they cross their T's and dot their I's. That alone may be worth it, but there is a lot of work in a fairly specialized area of law to get there.
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When you are a Bear of Very Little Brain, and you Think of Things, you find sometimes that a Thing which seemed very Thingish inside you is quite different when it gets out into the open and has other people looking at it.
--W. T. Pooh (aka A. A. Milne) | 
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