I stripped out reserved characters, tried sending three null values, three empty char strings, etc to no avail:

CLOSE ALL
CLEAR ALL
RELEASE ALL
ON ERROR
ON ESCAPE
SET ASSERTS ON
LOCAL lotest2006WS AS "XML Web Service"
* Do not remove or alter following line. It is used to support IntelliSense for your XML Web service.
*__VFPWSDef__: lotest2006WS = http://testserver/test2006.financesrvc/Service.asmx?WSDL , test2006WS , test2006WSSoap
LOCAL loException, lcErrorMsg, loWSHandler, cxml, clogin, cpass, lcResults

TRY

   loWSHandler = NEWOBJECT("WSHandler",IIF(VERSION(2)=0,"",HOME()+"FFC\")+"_ws3client.vcx")
   lotest2006WS = loWSHandler.SetupClient("http://testserver/test2006.financesrvc/Service.asmx?WSDL", "test2006WS", "test2006WSSoap")
   cxml = FILETOSTR("C:\cxml.txt")
   cxml = STRTRAN(cxml,CHR(0), '')
   cxml = STRTRAN(cxml,CHR(13), '')
   cxml = STRTRAN(cxml,CHR(10), '')
   cvaluetosend = ''
   WAIT WINDOW "Decoding XML File..." NOWAIT
   FOR ivalue = 1 TO LEN(cxml)
      cvaluetosend = cvaluetosend + XmlDecode(SUBSTR(cxml,ivalue,1))
   ENDFOR
   WAIT WINDOW "Sending Information to webservice..." NOWAIT
   cxml = cvaluetosend
*   cxml   = STRCONV(cxml,13)
   clogin = "mylogin"
*   clogin = STRCONV(clogin,13)
   cpass  = "mypassword"
*   cpass  = STRCONV(cpass,13)

   IF VARTYPE(lotest2006WS) =="O" .AND. !ISNULL(lotest2006WS)
      lotest = lotest2006WS.CalcFinancing(clogin,cpass,cxml)
      *--Just to be complete, the next line returns the same error message!
      *lotest = lotest2006WS.CalcFinancing('','','')
   ENDIF
   WAIT CLEAR

CATCH TO loException

   lcErrorMsg="Error: "+TRANSFORM(loException.ERRORNO)+" - "+loException.MESSAGE
   DO CASE
      CASE VARTYPE(lotest2006WS)#"O"
         * Handle SOAP error connecting to web service
         lcErrorMsg=lcErrorMsg+CHR(13)+'Error connecting to web service'
      CASE !EMPTY(lotest2006WS.FaultCode)
         * Handle SOAP error calling method
         lcErrorMsg=lcErrorMsg+CHR(13)+lotest2006WS.DETAIL
      OTHERWISE
         * Handle other error
   ENDCASE
   * Use for debugging purposes
   MESSAGEBOX(lcErrorMsg)

FINALLY

   IF VARTYPE(lotest) == "O" .AND. !ISNULL(lotest)
      *lcResult = STRCONV(lotest,14) && sent base64
      =AMEMBERS(proparray,lotest,1)
      IF TYPE('ALEN(proparray,1)') <> "N"
         =MESSAGEBOX('lotest.Document property does not exist')
*--->>>  Here is where I end up there is the error in lotest2006ws.detail of incorrect # of parameters passed
         IF TYPE('lotest2006WS.detail')="C"
            ASSERT !EMPTY(lotest2006WS.DETAIL) MESSAGE 'Verify value of lotest2006WS.detail in debugger.'
         ENDIF
      ELSE
         IF PEMSTATUS(lotest,'Document',5)
            cresult = lotest.DOCUMENT  && this property should exist
            IF EMPTY(cresult)
               =MESSAGEBOX('No results were returned.')
            ELSE
               =MESSAGEBOX(cresult)
            ENDIF
         ELSE
            =MESSAGEBOX('lotest.Document property does not exist')
         ENDIF
      ENDIF
   ELSE
      =MESSAGEBOX('An Error Ocurred.')
   ENDIF

ENDTRY

IF TYPE('loWSHandler') <> "U"
   RELEASE loWSHandler
ENDIF
IF TYPE('lotest2006WS') <> "U"
   RELEASE lotest2006WS
ENDIF


*-----------------------------------------------------------------------
FUNCTION XmlEncode
LPARAMETERS teExpression

*-- Transfrom 5 Known reserved XML characters Courtesy of Rick Strahl

LOCAL lcReturn
lcReturn = TRAN(teExpression)

IF VARTYPE(teExpression) = 'C'
   lcReturn = ALLTRIM(lcReturn)
   lcReturn = STRTRAN(lcReturn, '&', '&')
   lcReturn = STRTRAN(lcReturn, '<', '&lt;')
   lcReturn = STRTRAN(lcReturn, '>', '>')
   lcReturn = STRTRAN(lcReturn, '"', '"')
   lcReturn = STRTRAN(lcReturn, "'", '&apos;')
ENDIF 

RETURN lcReturn

*-------------------------------------------------------------------------
FUNCTION XMLDeCode
LPARAMETERS cTXT

*-- Transfrom 5 Known reserved XML characters Courtesy of Rick Strahl

LOCAL i,ch
FOR i=1 TO 255
  ch=ALLTRIM(STR(i))
  cTXT=STRTRAN(cTXT,"&#"+ch+";",CHR(i))
ENDFOR 
RETURN cTXT