MEMORANDUM OPINION
REBECCA R. PALLMEYER, District Judge.
Plaintiff, Citibank, N.A. ("Citibank") has sued Defendants Michael Anthony G. Wilbern and Sandra D. Wilbern for default on a promissory note, and seeks to foreclose on a home in Wadsworth, Illinois. Defendants stopped making monthly payments in October 2010, and in February 2012, Plaintiff filed this foreclosure action. Defendants' substantial indebtedness is undisputed, but...
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