PUBLISHED UNITED STATES COURT OF APPEALS FOR THE FOURTH CIRCUIT JOSEPHINE H. SPAULDING; DALE E. HAYLETT, JR., Plaintiffs-Appellants, v. WELLS FARGO BANK, N.A., d/b/a No. 12-1973 America’s Servicing Company, successor by merger to Wells Fargo Home Mortgage, Inc., Defendant-Appellee. Appeal from the United States District Court for the District of Maryland,…
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