Thanks for the reply flacorps. The first and second were both owned by the same institution, hence my use of the word settled. I did not know about deficiency judgement issues at the time, but have since heard about it. They have not yet contacted me about a deficiency settlement - and hopefully never will. But for my own peace of mind, i'm just wondering when the statute of limitations in California kicks in and I no longer have to worry about this. Any advice/help would be appreciated.