This foreclosure action was commenced in May 1992. Defendant Barbara G. Nielsen was personally served with the summons and complaint on May 30, 1992 while her husband, defendant Melvin Nielsen, was served by substituted service on June 3, 1992. By letter dated June 16, 1992, the Nielsens (hereinafter collectively referred to as defendants) rejected and returned the complaint. They did not deny that they had not complied with the terms of...
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