Hi, we have had our short sale approved by Countrywide. We had a 1st and 2nd. We had refinanced our 2nd. They said our approval letter will come in 4-10 days. My question is what verbage or wording do I look for to see if they will be putting a "deficiency judgement" on our credit? Should I take the letter to a lawyer to have them look it over? Would we be able to request that they put it in writing that they will not put a deficiency judgement on our credit? I am just hoping we can walk away with just a short sale on our credit and just start over. I hope we wont owe any money on the 2nd. How do I know for sure? Can they come after us years later if it is not in writing?