WIENER, Circuit Judge:
Defendant-Appellant Kenneth E. Crum ("Defendant" or "Crum") executed a home equity note creating a lien on his home. When Crum defaulted on the note, Plaintiff-Appellee HSBC Bank, USA, N.A. ("Plaintiff" or "HSBC") sent Crum a notice of default and notice of acceleration, indicating that the loan would mature on June 10, 2009...
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