I agree with Pamala that we cannot give legal advice. However, there are a few questions that need to be answered to determine mortgage deficiency. When you redeemed your home from sheriff's sale, what was the amount that you paid to redeem? Was the redemption amount less than what you owed your lender? This is a critical question. If your lender's bid on your house at sheriff's sale was the full amount that you owe, which then became your redemption amount, your lender has now written off your mortgage as a loss. If your lender bid less than the amount owed at sheriff's sale, this is called an "underbid", then your lender retains the right to pursue deficiency. This is a critical bit of information that is needed before anyone can give you a definite answer.