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UNITED STATES DISTRICT COURT EASTERN DISTRICT OF KENTUCKY CENTRAL DIVISION at LEXINGTON
CIVIL ACTION NO. 05-382-JMH  
UNITED STATES OF AMERICA,  PLAINTIFF  
V.  MEMORAN DUM OPINION AND ORDER  
MARY ELIZABETH CLAY, ET AL.,  DEFENDANTS  
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I. INTRODUCTION  

This is a real estate mortgage and chattel lien foreclosure action which plaintiff brings on behalf of its Department of Agriculture, Farm Service Agency (

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