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hey i was just looking at the forclosure alert and i was wanting to get some help with it i locked on to one home for an exm estimated value 231,949 and it says amount of default 296,100 is the 296,100 the amount of arears and or what there behind on payments so what im seeing is they owe way more then its worth is that correct and if i was to offer on this whould around 200,000 190,000 be a good starting place, or im i all wrong on this