My primary residence in fl was foreclosed in 2010 with deficiency judgment. What is the best thing that I can do to start all over? Do i need to file for bankruptcy or just wait for them to pursue payment from me. I am the head of the family, is it true that i can be exempted from wage garnishment? Is there a way out for me so as not to worry about our future?I have not heard from the mortgage company since the foreclosure. What is the best thing for me to do? Negotiate with the mortgage company now or do the negotiations when they starts collecting from me?