A deficiency judgment is “a personal judgment against the debtor for any deficiency remaining after the application of the net proceeds of [the foreclosure] sale to the [mortgage].”1 If the property was sold in executory process without appraisal, no deficiency judgment can be had.2 Untimely appraisals will also deprive the creditor of the right to a deficiency judgment. A debtor cannot waive the statutory prohibition against deficiency judgments when the real estate was sold without appraisal.3