There are a lot of cases in the United States when foreclosures were narrowly avoided when the mortgage carrier loses the original documents. There are so many reasons for this to actually happen. How about the borrower does a fool proof plan for that to happen so they the debt ends up getting cancelled. How about a storm comes in and all the documents in the office gets wet for no apparent reason? These are all probable causes as to why the lender loses the documents and the judge rules the case in favor of the borrower who is in danger of getting foreclosed property.