Homeowners' rallying cry: Produce the note

``First Kathy Lovelace, shown looking over mortgage documents at her home Thursday Jan. 12, 2009 in Zephyrhills, Fla., lost her job, then got caught in mortgage-limbo. She tried desperately to hang onto her house, but was getting nowhere with maddeningly uncooperative loan offers and collectors on the phone. Then last fall, she printed a document from a website and filed it with the court, simply asking that the lender produce the original mortgage note. And just like that, the mortgage proceedings stopped.''