OPINION
VAIDIK, Judge.
Case Summary
Ronnie D. Brand and Debora J. Brand (collectively, "the Brands") refinanced their first and second mortgages with GMAC Mortgage, LLC. Despite GMAC fully paying off the Brands' first and second mortgages as part of the refinancing process, the Brands' second mortgage — a home equity line of credit with Finance Center Federal Credit Union — was never released. Finance Center later advanced additional...
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