Hi, the house (in FL) was foreclosed and auctioned off about two years ago (default foreclosure, no deficiency judgment then but no waiver either). Both 1st and 2nd mortgages were with one lender, and the house sold for even less than the first mortgage. Now a collection agency called and sent a letter trying to collect the debt from the second mortgage. Can they obtain a judgment and any possible actions to avoid that? Should I request a debt validation from the collection company or just ignore it (I am afraid a validation request might lead them to start a lawsuit leading to a deficiency judgment)? Thank you in advance for your great help!