McDEVITT, Chief Justice.
BACKGROUND
The underlying foreclosure action upon which the contested deficiency judgment is predicated arose from the defendants' (the "Steckleins") default on several loans procured from Valley Bank from 1979 to 1981. Shortly after running into financial trouble in 1981, the Steckleins found themselves unable to satisfy their loan obligations and filed for Chapter 11 bankruptcy in the spring of 1982. On June 26, 1986, following...
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