From reading the article – it sounds like the court action did involve serving the couple – but that it may have been a questionable service.
It also sounds like the couple did everything wrong. They bought the house as an investment for $520k in 2006. They refinanced to a first of $464k and a 2nd of $126k a year later. They claim they took out 20k to pay off credit cards… I guess the other 40-50k in additional debt was just bonus money. These people ATM’d their “investment” property.
IF the court summons was properly served (which is in question) – then I don’t see anything wrong with the process. The article doesn’t mention whether they stopped paying on the 2nd – but I have to assume they did when they stopped paying on the first.
They made bad choices. Life is full of consequences.