MEMORANDUM OPINION AND ORDER
ROVNER, District Judge.
This mortgage foreclosure action was instituted after a dispute arose between the plaintiff mortgagee, The Lomas & Nettleton Company, and the defendant mortgagors, Jessee and Beulah Humphries, over four mortgage payments. On June 10, 1987, plaintiff's attorney returned three payments to Jessee Humphries along with a letter which stated that they were not
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