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Scott Duncan and Lorae Fistor-Duncan acknowledge they are more than $28,000 behind on their home mortgage. But they never expected they might lose their home over $743.88 their lender says they owe on a home equity line of credit.
Frantic bid to save home Last week the Santa Rosa couple made a feverish attempt to keep their three-bedroom house near Franklin Park and avoid a foreclosure auction set for Monday.
While the Duncans haven’t made a payment on their first mortgage for 16 months, it’s the line of credit that triggered a default notice March 30. At issue is a payment the Duncans insist they made.
The threat of auction placed the Duncans in familiar territory to those facing foreclosure: a bureaucratic process that requires seemingly endless paperwork.
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