Suing for deficiencies

[Tom Bukacek]

If you live in a state where the bank can sue for deficiencies, what is the actual likelihood of a unemployed, broke homeowner going through a short sale being sued for deficiency?

I hear there are more lawsuits than ever by banks, but are they mostly going after people who can afford but choose to walk away or investors who have money but don't want to lose anymore?

What is the likelihood of the average Joe who is in financial hardship being sued by the bank for deficiencies?