The mortgage company has the responsibility of maintaining the contract... if they don't it... there's no contract by definition... right?

I wonder what happens with the title in a case like that... can he sell the house? can he pass it on in his will?

check out this podcast on skeptoid.com that mentions this "technology"... funny stuff and he has a good explanation of the gunk that appears on the pad..

http://skeptoid.com/audio/skeptoid-4083.mp3