It does sound like you have many defenses with them continuing to loan money and making things difficult, but depending on the court (judge) you still need very thorough sit-down. This is looonnnggg question. Larger banks are sometimes "easier" to defend than small community banks because community banks were not as wrapped up in the buying and selling of mortage loans--they did of course, but chances are larger banks have a more difficult case to prove. Don't wait till it's too late. It's good that you are seeking advice sooner than later. This is really complex and would be really hard to repair later when so many clients approach us when the bank is practically moving in.