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What do you do after foreclosure if you have a deficiency judgment against you? While some states do not allow for a deficiency judgment, others do allow the lender to go after the monies owed for the deficiency difference between the foreclosure sale and the amount that the buyer  R&b Beats For Sale owed for the mortgage. In cases where the buyers are upside down in their home, such as the value of the home is less than the amount which is due, the lender can ask for the difference. They can go to court and get  Monster Beats Studios a deficiency judgment against the borrower. This judgment is a court order that can be used to garnish wages, freeze bank accounts or put liens on other assets.
If you live in a state that allows for deficiency judgments and have gone through foreclosure, after foreclosure you may have a deficiency judgment against you. You can get help with this judgment by having a qualified firm negotiate with your lender on your behalf for a settlement of this judgment. This can save you money as well as further detriment to your credit and possible bankruptcy.
After foreclosure, the last thing you need is more problems with bills. You have lost your home to foreclosure and may still owe money on a home in which you are no longer living. If a lender gets a judgment against you for the amount still due on what you owe on the house less the amount for which it was sold after foreclosure, they can proceed to enforce the judgment in a variety of different  Monster Beats Tron ways. You are better off to get this matter cleared up before you incur further debt.
By negotiating and settling this amount with the lender, you can be free and clear from the home and not have to worry about the lender coming after you for the granted deficiency judgment, at a later date in the future.
Some states will even allow legal fees to be  Beats By Dr Dre Cheapest included in the deficiency judgment while others will only allow for the difference between the sale of the home and the amount still due the lender. Every state has different rules when it comes to deficiency judgments, which is why you need to have someone who is well aware of these rules and how they can apply to you on your side during the time after foreclosure. By  Monster Beats Turbine getting help from a company that will negotiate on your behalf, you can usually save money. Lenders know that if you go into bankruptcy, they are going to get less if you file Chapter 13 and may even get the debt wiped out if you file Chapter 7.  Discount Beats By Dre However, new bankruptcy laws are very strict and attorneys charge a great deal of money to file for this type of protection.
Generally speaking hiring a third party negotiator to assist you in negotiating your deficiency judgment can be a great value.
Author Bio.
After Foreclosure, you may still owe more money on your house if it is sold for less than the amount that is due on your mortgage. A lender may obtain a Deficiency Judgment against you. To get this reduced or cleared up, you need to go to Judgment Deficiency.  
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