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I want to sign a Deed in Lieu on a house I own in NJ and which BOA has threatened to foreclose on for more than 4 years, but they still haven't foreclosed.I have offered to sign a deed in lieu of foreclosure. If they accept this will I be responsible for any deficiency? I know I need an attorney (FL or NJ?) I believe BOA owes me money. I just don't know how to go forward with this. I want it over with.