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How does one avoid a deficiency judgment? Is my lender going to come after me with a potential deficiency judgment? Is a foreclosure deficiency judgment the same as a short sale deficiency judgment? What effect does bankruptcy have on avoiding deficiency judgments? How do I negotiate with my lender to avoid a deficiency judgment if I decide to short sale my home? Are there attorneys who will negotiate me out of a deficiency judgment if I short sale my home? Do all lenders enforce deficiency judgments? Are Bank of America, Ocwen, EMC mortgage, Chase, Wells fargo, Saxon all enforcing deficiency

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