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I see it as pretty simple thoughts on their part. They got a loan got a house and started paying in good faith. Then for what ever reason the shit hit the fan and they got forclosed on. If they were one of the few who got hit on a house that they could actually afford but lost because of other stupid people then they feel like the 80k or what ever they paid they own. So they plan to take as much of that 80k as they can.
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