STEPHENS, Judge.
Countrywide Home Loans, Inc. ("Countrywide") commenced this action by filing a complaint on 11 February 2005 seeking to quiet title to a parcel of real property and to stay foreclosure proceedings instituted by Bank One, N.A. ("Bank One") and Priority Trustee Services of NC, L.L.C. ("PTS") (collectively, "Defendants") against the property. Defendants answered the complaint twenty-seven days later. The case was tried before a judge, sitting without...
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