COFFEY, Circuit Judge.
On May 20, 1993, the United States filed a mortgage foreclosure action against the defendants-appellants Rosee and Noel Torres, their daughter, Elisa Torres, and Rosee Torres's business, Legal Secretarial Services (collectively, "the Torreses"), arising out of Rosee Torres's alleged default on a 1984 Small Business Administration ("SBA") loan secured by a mortgage on property owned by Noel and Rosee Torres. The Torreses argued that, at the time...
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