If I can be of further assistance please do not hesitate to contact me directly at 636-299-1884
The Best Seller GMAC Real Estate
Short Sale Specialist
I highly recommend you use the resources and links sent to you then get the guidance from a real estate lawyer to find out how it works in your particular situation. There are just too many variables for there to be one solid answer for your situation without more information. Wish you all the best.
REMAX Boone Realty, Columbia, MO
Here is a link that can tell you the specific laws for your state regarding your question.