Deficiency Judgement / Georgia
HELP!! I had a primary residence go to foreclosure almost 2 years ago. I recently learned that the 2nd mortgage on the property was not satisfied by the auction. I am gathering this by looking at my credit file and seeing an open account - the 2nd mortgage. When contacting the lender, HSBC, I was told I still owed the balance ($33K). Do I still owe this balance? HSBC never went for a deficiency judgement? Could they still - it has been almost 2 yrs. I am faced with resorting to a debt settlement corp. I need to make sure I still have to pay this before doing so.. I have had no luck getting consistent feedback from attorneys.... HELP...
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