Plaintiff - Appellant:
AUDLEY KERR and SUZETTE KERR
Defendant - Appellee:
WELLS FARGO BANK N.A. and U.S. BANK, N.A., as trustee, successor in interest to Bank of America, National Association, as trustee (successor by merger to Laselle Bank National Association) as trustee for Morgan Stanley Mortgage loan trust 2006-12XS
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