ORDER
PHILIP A. BRIMMER, District Judge.
This matter is before the Court on the Recommendation of United States Magistrate Judge (the "Recommendation") [Docket No. 30] filed on August 3, 2012.
I. BACKGROUND
The undisputed facts are as follows. On June 26, 2006, plaintiffs Michelle and Richard L. Garrett refinanced their home mortgage loan with defendant BNC Mortgage, Inc. ("BNC"). Docket No. 1 at 5, ¶¶ 12-13; Docket No. 22 at...
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