Let's define foreclosure.
The legal process by which an owner's right to a property is terminated, usually due to default. Typically involves a forced sale of the property at public auction, with the proceeds being applied to the mortgage debt.
This is the beginning of the foreclosure deficiency judgment. You may want to investigate whether or not you will have to make payments through a deficiency judgment in a foreclosure action prior to your judicial foreclosure date. There are many other subjects that we will need to investigate when learning of the benefits (or problems) with the deficiency judgments that will likely result in judicial foreclosure cases.
Deficiency Judgment are not pretty and you will certainly understand that by searching around on the internet.