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Carol Alvarez hasn't been able to keep up with her mortgage payments because she's been paying her son's high medical expenses. Alvarez is losing her home of 20 years at 2101 Melholland Road through foreclosure. Mortgage foreclosures are on the rise in Lawrence. In August, the rate of foreclosures among outstanding mortgages was 0.40 percent, up from 0.20 percent for the same month in 2007.

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