The simple answer to your first question is that the laws apply to both mortgages and deeds of trust, assuming the property otherwise qualified for protection. However, if you've refinanced, a lender can bypass the limitations of the anti-deficiency statutes by bringing a judicial foreclosure action rather than pursuing the trustee's sale.
And yes, even if you have the same lender on both loans, and assuming the 2nd loan was not a purchase money loan, if the 1st forecloses through a trustee sale, the 2nd can pursue you for any unpaid amounts.
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I highly recommend you discuss your options with an experienced bankruptcy attorney. Most, like my office, offer a free initial consult.
Mr. Greeves is licensed to practice law throughout the state of Arizona. His office is in Tempe. He is authorized to handle IRS matters throughout the United States. His phone number is 480-345-8100 or his email address is firstname.lastname@example.org. His website is www.gprattorneys.com. Please note that this answer does not constitute legal advice, and should not be relied upon. Each state has different laws, every situation is fact specific, and it is impossible to evaluate a legal problem without a comprehensive consultation and review of all the facts and documents at issue. This answer does not create an attorney-client relationship.