While you can do it on your own, having a lawyer can help ensure everything is buttoned up. They can guide you and help you avoid any bumps in the road.
To file one, you'll typically go to the local court or the appropriate county office and submit the affidavit. It's a good idea to check with them first to make sure you have all your ducks in a row.
You'll need to file this affidavit when you've misplaced the note or if it’s been damaged beyond recognition. It's all about keeping things above board, especially when dealing with loans.