Generally unless the foreclosure action includes a count to collect on the mortgage note, the final judgment of foreclosure is only an order setting a foreclosure sale and does not include a "money judgment" against you for the amount owed.

A "deficiency" judgment is a money judgment for further money if the foreclosure does not satisfy the mortgage debt. In recent times in South Florida, residential mortgage companies that foreclose on first mortgages have not generally pursued "deficiency" judgments.