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ANNA KIM / SPECIAL TO THE STAR-ADVERTISER Sofie, the daughter of Mitzi and Joey Toro, hangs out on a tire swing attached to a Japanese olive tree in the yard of the family's Makawao home.
ANNA KIM / SPECIAL TO THE STAR-ADVERTISER Joey Toro, with wife Mitzi in front of their home in Makawao, Maui, said he would go through mediation with their lender if given the opportunity. The couple began having trouble paying the mortgage on their $675,000 house in 2010, and applied for a loan modification about 18 months ago.