Many AZ attorneys believe that the intention of the legislature was to protect a homeowner on his personal residence. That no court will uphold a deficiency on your personal residence. We don’t yet know if this will be true or not.

So far, the banks have not been willing to pursue judgements because the borrowers (you) don’t have any money. It is just a waste of time.

You have a case against the realty agent but not for all of your damages. You were responsible to protect yourself. The agent was responsible to get the house sold. You might win a small judgement.