You received a loan, didn’t you?
You didn’t pay, did you?
You signed the note, didn’t you?
You signed the mortgage didn’t you?
Why all of those questions are irrelevant. how to instruct the court and convince the judge to rule accordingly is a skill that most people, including lawyers don’t possess, because they share a mythology with the judge that the loan accounts actually exist. And they consent to this myth because they can’t imagine how it could be otherwise.