Prevalence of deficiency judgments and bankruptsy after short sales?It seems that many states do not have anti-deficiency laws that prohibit deficiency judgments against borrowers with mortgages that go through the short sale process, including in Arizona: http://www.alllaw.com/articles/nolo/foreclosure/anti-deficiency-laws.htmlSo how common or prevalent is it for lenders to file deficiency judgments after completion of a short sale, most notably those in Arizona, in your own personal observation?How common does it seem for borrowers attempting a short sale to file for bankruptcy? I would think that this would be a possibility given that lenders can request for the borrower pay/settle a certain amount that they may not be able to pay back to the lender (within or outside the context of deficiency judgements), correct?I understand that I should consult an attorney on the handling of the short sale process itself and legal ramifications - I am just trying to get a sense of prevalence & seriousness of the various possible outcomes.May 12 - Phoenix00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.