OPINION
JUSTICE NEVILLE delivered the judgment of the court, with opinion.
¶ 1 When Carla and Marvin Watkins, the defendants, did not pay their mortgages, they became concerned that Citimortgage, Inc. (Citimortgage), and Countrywide Home Loans (Countrywide) would commence foreclosure proceedings against them. On November 11, 2005...
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