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welcome back here to Fox and Friends are you like millions of other Americans right now facing foreclosure well did you know that there are three simple words to stall the whole process ah its like a ray of light in my life Kendra Todd is a real estate analyst and a host of HD TVs my house is worth what joins me now to talk more about this good good morning good morning to you Kendra oh good morning Clayton okay so the three words what do people need to say to their bank to stall foreclosure produce the note its really that simple three little words and if you think about it its kind of astonishing to think that banks are having in many cases the difficult time producing the original documentation that homeowners purchase are signed when they purchased a home but University of Iowa did a study and of 1,700 bankruptcy cases that had to deal with foreclosures forty percent of them they couldnt find the original loan documentation this is unbelievable to me so you basically you call