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The story is a familiar one. Like so many homeowners’, the roots of Ramos’s troubles were in a loan she took out against the value of her home. She was, at the time, free of debt, having bought her family a modest house in Florida outright with the proceeds of the sale of her mother’s home back in Hawaii.

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 · From 2014 through 2018, Methodist filed more than 8,300 lawsuits for unpaid medical bills, according to an MLK50-ProPublica analysis.

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