Florida law does not require the recording of an assignment to transfer ownership of a loan, only to put unnoticed third parties on notice. Loans can be, and usually are, transferred in bulk transactions of many millions of dollars. The lack of an assignment will not provide you with any sort of viable defense.
A Lis Pendens has no function other than to provide notice of the pendency of litigation relating to a claim to the subject property. Whether there is one or two or more is immaterial.
If you are seriously interested in trying to defend this action, you need to retain a knowledgable financial services litigation attorney.
Please note that the above is not intended as legal advice, it is for educational purposes only. No attorney-client relationship is created or is intended to be created hereby. You should contact a local attorney to discuss and to obtain legal advice.
Many homeowners in your situation think that they cannot afford a lawyer and try to muddle through by reading the online statutes and seeking free advice on sites such as this one. The problem with that is doing a lawyer's job is not simply knowing how to read the answers -- more importantly, it is knowing what questions to ask. You will never be able to ask a question on a website that will give the full picture of your case. You get the answer you are looking for and think, "Great!" However, you may have left out one or several other facts that, if known, would have changed the answer.
Most firms, including mine, offer very reasonable flat rate pricing schemes customized to your goals. Nearly all of the work can be handled electronically by email, which reduces costs significantly. There is an old saying you may have heard: "An attorney who represents himself has a fool for a client." If that is true for lawyers ...
I STRONGLY recommend that you hire an attorney. The chances of your obtaining your goal are far better with your own personal gladiator to fight for you.
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I strongly recommend that you consult with an attorney regarding the particulars of your case. I also recommend that you retain an attorney to help you defend the foreclosure action. Many attorneys on here, including myself, offer free initial consultations.
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