FEDERAL REFINANCE CO., INC., Plaintiff, Appellant, v. Deborah KLOCK et al., Defendants, Appellees. Federal Refinance Co., Inc., Plaintiff, Appellee, v. Deborah Klock et al., Defendants, Appellees. Frank Romano, Jr., Defendant, Appellant. Nos. 02-1654, 02-1753 and 02-2547.United States Court of Appeals, First Circuit.Heard November 5, 2003. Decided December 5, 2003. Appeal from the United States District […]