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Ben Aloia (cq) sits with his sons Ben 14, and Nick 8 in their home in Lakewood, Colo. Thursday, March 1, 2007. Ben a police officer has lived in the area for some 25 years and 5-6 years in this home and as a single Dad has been threatened with foreclosure by his mortgage company. His arm agreement increased without telling him which put him behind in payments. "All's I want is for them to refinance me", said Aloia. (LINDA McCONNELL/ROCKY MOUNTAIN NEWS) ** Ben Aloia

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