NOT TO BE PUBLISHED IN OFFICIAL REPORTS
HAERLE, J.
I. INTRODUCTION
This action arises from nonjudicial foreclosure proceedings initiated against appellants Marlon Taasan and Febes Taasan after they fell behind in making loan payments on their residence in Fairfield. Appellants sued Mortgage Electronic Registration Systems, Inc. (MERS), ReconTrust Company, N.A. (ReconTrust), and HSBC Bank USA, N.A. (HSBC) (collectively, respondents), seeking a declaratory...
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