I understand that in GA there is a 30 day window for banks to seek a judgement after a foreclosure sale. My house is up for auction today. However, the bank has set the starting bid at the full amount owed which is well above the property value and I'm sure there will be no bids. So in that case my understanding is that the house will revert to the bank as an REO. Does this transaction trigger the 30 days or am I still waiting for the bank to actually sell the property sometime in the future before that 30 day window begins?