When the bank commenced foreclosure proceedings, originally they waived their right to any deficiency. I felt this was favorable to my position financially so I did not challenge the action. Months later just before the judge's final ruling, the lender's attorney amended the order so that I would be liable for any deficiency. I objected to this change. I would have caught up the payments and not agreed to the foreclosure under this order, but by the time the amendment was presented, nearly a year had past since the originally drafted order and I was no longer in a position to catch up on the payments, taxes and fines due to the increased amount. The judge signed the amended order. I owe a huge deficiency now and feel like I was tricked by the lender and railroaded by the court.