Can a mortgage deficiency be put in a debt relief program?

What exactly is a mortgage deficiency? Unfortunately in today’s economically unstable world, even after your home is foreclosed you may still owe money to lenders. A mortgage deficiency is the difference between the mortgage owed on a home and the amount that the lenders collected on it when it was sold at auction. A homeowner is responsible for the mortgage deficiency after a foreclosure or short sale. Lenders can pursue deficiencies in over 30 states and it is up to the lender whether or not they will go after a mortgage deficiency. In certain states, a lender can sue if the homeowner fails to pay back these mortgage deficiencies.

Accredited Debt Relief is here to help homeowners that are often times caught off guard by a lender pursuing a mortgage deficiency. If you are being pursued by a lender to pay the remaining balance on your home mortgage after a foreclosure or short sale, Accredited Debt Relief can help put your mortgage deficiency into a debt relief program. By placing your deficiencies into a debt relief program, paying back lenders can become less stressful and more manageable.

To learn more about the debt relief options available to you including California debt relief, Florida debt relief, New York debt relief, and Texas debt relief options visit

Posted in Debt Relief

Leave a Reply

Your email address will not be published. Required fields are marked *


I am really glad that I did make that call because if I hadn’t I would be worried so much about the bills and not being able to pay them, along with my health. You explained everything to me and after I talked things over with my husband I realized that this was my best option. I do appreciate your kindness and professionalism. You didn’t make me feel ashamed of needing help, you talked and listened and that made quite an impression!
I wanted to take a moment to thank you for everything you have done for me. Over the past week I have had several opportunities to interact with you as we worked through what was for me a very difficult and stressful decision. It might sound simple, but in my experience it is exceptional: You, Andrew, focus on solving problems. You were able to quickly grasp the issue and proceeded to reach a resolution efficiently, while allowing me to maintain my dignity. I have found you to be professional, knowledgeable, upbeat, gracious, patient, and absolutely committed to achieving the desired result and satisfying me, the customer.
Elizabeth C.
Hey Andrew! Thanks again for all of your help! All of you have been very helpful & professional. I can’t say enough about how pleased I have been with your services. Thanks again!! Israel
I initially contacted Brad at Accredited Debt Relief in regard to a financial hardship I sustained as a result of losing my home in the 2007 CA. Wildfires. I found Brad to be a knowledgeable and experienced credit consular that was able to assist me with my financial problems. He was able to adapt his schedule to my needs and gave me the feeling that he cared about my situation and would do anything in his power to help.
Barry S.
Every time I have called Tony if he didn’t pick up the phone immediately, he without fail returned all my calls promptly. I feel as if Tony and I have become friends and I couldn’t be any more pleased with the service he has provided me. If the rest of the service I receive from ADR is as helpful and professional as that provided by Tony then I am going to be one grateful and happy camper. I would like to thank everyone involved to this point with helping me through a tuff situation, especially Tony.
Ted has been very helpful and understanding whenever I call him. When I’m in a panic over something he always calms me down and reassures me. He did not make me feel embarrassed or shameful over my debt situation. He is truly a great person!