The lender would have to pursue and obtain a defiency judgement for the unpaid balance of the loan, after foreclosure.

(I had some judgements against me, which has since been taken care of, but my credit score remains incredibly low.

every state is different but in Florida your primary residence is judgement proof.

Making judgements to which business the Communications Decency Act applies or doesn't is far outside my legal education so I'll refrain from commenting. 

Definitely get that judgement and get collections on it - it will stay on her credit report. 

You'll be more capable of growing your portfolio and making wise judgements as you acquire more expertise and understanding.

If you have a judgement is better but they will work with anything (lease, ledger). 

Then if you win keep the judgement current and someday maybe you can collect. 

Do a background check, if they have judgements for non-payment of rent, do NOT rent to them.

Not exactly a RE issueBUTA friend's son has a judgement against them for over $2mill.They were young & had nothing to lose AT THE TIME.Now he can't own ANYTHING without fear of it being attached, & every time he gets paid there is a % garnishee.