{"id":60922,"date":"2012-04-29T19:32:00","date_gmt":"2012-04-29T19:32:00","guid":{"rendered":"http:\/\/thedicarlogroup.com\/2012\/04\/29\/avoiding-deficiency-judgements\/"},"modified":"2019-04-23T20:50:33","modified_gmt":"2019-04-23T20:50:33","slug":"avoiding-deficiency-judgements","status":"publish","type":"post","link":"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/","title":{"rendered":"Avoiding Deficiency Judgements"},"content":{"rendered":"

\"article-preview_ehow_images_ehow_cat_personal_finance_personal-finance3\"\"article-preview_ehow_images_ehow_cat_personal_finance_personal-finance4\"“A deficiency judgement is an unsecured money judgement against a borrower whose mortgage foreclosure sale did not produce sufficient funds to pay the underlying promissory note, or loan, in full,” said Dania Fernandez, Esq. in her recent Resource Living article.\u00a0 Here are\u00a0ways you can avoid a deficiency judgement:<\/p>\n

    \n
  1. Stop the Foreclosure<\/li>\n
  2. Loan modification<\/li>\n
  3. Short Sale<\/li>\n
  4. Deed in Lieu of Foreclosure<\/li>\n
  5. File for Bankruptcy<\/li>\n<\/ol>\n

    “In short sales and Deed in Lieu, many times the lender will waive their right to a deficiency.\u00a0\u00a0Both involve specific documentation that should be reviewed by an attorney,” she continued.\u00a0 Bankruptcy should be considered only if all other options have failed.\u00a0 As with all legal matters, consult an attorney before making a decision.<\/p>\n

    Know the market, call Sheryl DiCarlo, 305.332.3256 before you next real estate move.<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

    “A deficiency judgement is an unsecured money judgement against a borrower whose mortgage foreclosure sale did not produce sufficient funds to pay the underlying promissory note, or loan, in full,” said Dania Fernandez, Esq. in her recent Resource Living article.\u00a0 Here are\u00a0ways you can avoid a deficiency judgement: Stop the Foreclosure Loan modification Short Sale<\/p>\n

    Read More<\/a><\/p>\n","protected":false},"author":5577,"featured_media":130092,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_expiration-date-status":"","_expiration-date":0,"_expiration-date-type":"","_expiration-date-categories":[],"_expiration-date-options":[]},"categories":[11767],"tags":[],"yoast_head":"\nAvoiding Deficiency Judgements - BHHS EWM Realty<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Avoiding Deficiency Judgements - BHHS EWM Realty\" \/>\n<meta property=\"og:description\" content=\"“A deficiency judgement is an unsecured money judgement against a borrower whose mortgage foreclosure sale did not produce sufficient funds to pay the underlying promissory note, or loan, in full,” said Dania Fernandez, Esq. in her recent Resource Living article.\u00a0 Here are\u00a0ways you can avoid a deficiency judgement: Stop the Foreclosure Loan modification Short SaleRead More\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/\" \/>\n<meta property=\"og:site_name\" content=\"BHHS EWM Realty\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/EWMRealtyInternational\" \/>\n<meta property=\"article:published_time\" content=\"2012-04-29T19:32:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-04-23T20:50:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ewmrealestate.com\/blog\/wp-content\/uploads\/2019\/06\/BHHS-On-Solid-Background.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"376\" \/>\n\t<meta property=\"og:image:height\" content=\"376\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sheryl S. DiCarlo\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sheryl S. DiCarlo\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/\"},\"author\":{\"name\":\"Sheryl S. DiCarlo\",\"@id\":\"https:\/\/ewmrealestate.com\/blog\/#\/schema\/person\/94fa15c3544fc8e7798a586cf0e394b6\"},\"headline\":\"Avoiding Deficiency Judgements\",\"datePublished\":\"2012-04-29T19:32:00+00:00\",\"dateModified\":\"2019-04-23T20:50:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/\"},\"wordCount\":133,\"publisher\":{\"@id\":\"https:\/\/ewmrealestate.com\/blog\/#organization\"},\"articleSection\":[\"EWM News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/\",\"url\":\"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/\",\"name\":\"Avoiding Deficiency Judgements - BHHS EWM Realty\",\"isPartOf\":{\"@id\":\"https:\/\/ewmrealestate.com\/blog\/#website\"},\"datePublished\":\"2012-04-29T19:32:00+00:00\",\"dateModified\":\"2019-04-23T20:50:33+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/ewmrealestate.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Avoiding Deficiency Judgements\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/ewmrealestate.com\/blog\/#website\",\"url\":\"https:\/\/ewmrealestate.com\/blog\/\",\"name\":\"BHHS EWM Realty\",\"description\":\"Blog\",\"publisher\":{\"@id\":\"https:\/\/ewmrealestate.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/ewmrealestate.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/ewmrealestate.com\/blog\/#organization\",\"name\":\"BHHS EWM Realty\",\"url\":\"https:\/\/ewmrealestate.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/ewmrealestate.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/ewmrealestate.com\/blog\/wp-content\/uploads\/2019\/06\/BHHSLogo2_2019.png\",\"contentUrl\":\"https:\/\/ewmrealestate.com\/blog\/wp-content\/uploads\/2019\/06\/BHHSLogo2_2019.png\",\"width\":1804,\"height\":345,\"caption\":\"BHHS EWM Realty\"},\"image\":{\"@id\":\"https:\/\/ewmrealestate.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/instagram.com\/ewmrealty\/\",\"https:\/\/www.facebook.com\/EWMRealtyInternational\",\"https:\/\/twitter.com\/ewmrealty\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/ewmrealestate.com\/blog\/#\/schema\/person\/94fa15c3544fc8e7798a586cf0e394b6\",\"name\":\"Sheryl S. DiCarlo\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/ewmrealestate.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/bce7e84c4228aa4e8c59cb53b343cc91?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/bce7e84c4228aa4e8c59cb53b343cc91?s=96&d=mm&r=g\",\"caption\":\"Sheryl S. DiCarlo\"},\"sameAs\":[\"http:\/\/WWW.THEDICARLOGROUP.COM\"],\"url\":\"https:\/\/ewmrealestate.com\/blog\/author\/2753\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Avoiding Deficiency Judgements - BHHS EWM Realty","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/","og_locale":"en_US","og_type":"article","og_title":"Avoiding Deficiency Judgements - BHHS EWM Realty","og_description":"“A deficiency judgement is an unsecured money judgement against a borrower whose mortgage foreclosure sale did not produce sufficient funds to pay the underlying promissory note, or loan, in full,” said Dania Fernandez, Esq. in her recent Resource Living article.\u00a0 Here are\u00a0ways you can avoid a deficiency judgement: Stop the Foreclosure Loan modification Short SaleRead More","og_url":"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/","og_site_name":"BHHS EWM Realty","article_publisher":"https:\/\/www.facebook.com\/EWMRealtyInternational","article_published_time":"2012-04-29T19:32:00+00:00","article_modified_time":"2019-04-23T20:50:33+00:00","og_image":[{"width":376,"height":376,"url":"https:\/\/ewmrealestate.com\/blog\/wp-content\/uploads\/2019\/06\/BHHS-On-Solid-Background.jpg","type":"image\/jpeg"}],"author":"Sheryl S. DiCarlo","twitter_misc":{"Written by":"Sheryl S. DiCarlo","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/#article","isPartOf":{"@id":"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/"},"author":{"name":"Sheryl S. DiCarlo","@id":"https:\/\/ewmrealestate.com\/blog\/#\/schema\/person\/94fa15c3544fc8e7798a586cf0e394b6"},"headline":"Avoiding Deficiency Judgements","datePublished":"2012-04-29T19:32:00+00:00","dateModified":"2019-04-23T20:50:33+00:00","mainEntityOfPage":{"@id":"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/"},"wordCount":133,"publisher":{"@id":"https:\/\/ewmrealestate.com\/blog\/#organization"},"articleSection":["EWM News"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/","url":"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/","name":"Avoiding Deficiency Judgements - BHHS EWM Realty","isPartOf":{"@id":"https:\/\/ewmrealestate.com\/blog\/#website"},"datePublished":"2012-04-29T19:32:00+00:00","dateModified":"2019-04-23T20:50:33+00:00","breadcrumb":{"@id":"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/ewmrealestate.com\/blog\/avoiding-deficiency-judgements\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/ewmrealestate.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Avoiding Deficiency Judgements"}]},{"@type":"WebSite","@id":"https:\/\/ewmrealestate.com\/blog\/#website","url":"https:\/\/ewmrealestate.com\/blog\/","name":"BHHS EWM Realty","description":"Blog","publisher":{"@id":"https:\/\/ewmrealestate.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/ewmrealestate.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/ewmrealestate.com\/blog\/#organization","name":"BHHS EWM Realty","url":"https:\/\/ewmrealestate.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/ewmrealestate.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/ewmrealestate.com\/blog\/wp-content\/uploads\/2019\/06\/BHHSLogo2_2019.png","contentUrl":"https:\/\/ewmrealestate.com\/blog\/wp-content\/uploads\/2019\/06\/BHHSLogo2_2019.png","width":1804,"height":345,"caption":"BHHS EWM Realty"},"image":{"@id":"https:\/\/ewmrealestate.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/instagram.com\/ewmrealty\/","https:\/\/www.facebook.com\/EWMRealtyInternational","https:\/\/twitter.com\/ewmrealty"]},{"@type":"Person","@id":"https:\/\/ewmrealestate.com\/blog\/#\/schema\/person\/94fa15c3544fc8e7798a586cf0e394b6","name":"Sheryl S. DiCarlo","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/ewmrealestate.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/bce7e84c4228aa4e8c59cb53b343cc91?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/bce7e84c4228aa4e8c59cb53b343cc91?s=96&d=mm&r=g","caption":"Sheryl S. DiCarlo"},"sameAs":["http:\/\/WWW.THEDICARLOGROUP.COM"],"url":"https:\/\/ewmrealestate.com\/blog\/author\/2753\/"}]}},"_links":{"self":[{"href":"https:\/\/ewmrealestate.com\/blog\/wp-json\/wp\/v2\/posts\/60922"}],"collection":[{"href":"https:\/\/ewmrealestate.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ewmrealestate.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ewmrealestate.com\/blog\/wp-json\/wp\/v2\/users\/5577"}],"replies":[{"embeddable":true,"href":"https:\/\/ewmrealestate.com\/blog\/wp-json\/wp\/v2\/comments?post=60922"}],"version-history":[{"count":1,"href":"https:\/\/ewmrealestate.com\/blog\/wp-json\/wp\/v2\/posts\/60922\/revisions"}],"predecessor-version":[{"id":124658,"href":"https:\/\/ewmrealestate.com\/blog\/wp-json\/wp\/v2\/posts\/60922\/revisions\/124658"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ewmrealestate.com\/blog\/wp-json\/wp\/v2\/media\/130092"}],"wp:attachment":[{"href":"https:\/\/ewmrealestate.com\/blog\/wp-json\/wp\/v2\/media?parent=60922"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ewmrealestate.com\/blog\/wp-json\/wp\/v2\/categories?post=60922"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ewmrealestate.com\/blog\/wp-json\/wp\/v2\/tags?post=60922"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}