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Thank you, I do live in CA and thank you for your responses. Things are starting to look a bit clearer to me now, and the link you provided helped out a bunch. If I can run by one or two more...

Well, I still am having a bit of trouble understanding the concept a bit. What does it mean when you say it 'essentially'sells back to the lender. Doesn't the property have any value at all to...

My wife and I had to forclose on our house at the end of last year. The foreclosure date was actually on the 29th of December, and the house did not sell at auction. I just received in the mail a...