ul li1 OCEANFIRST FORECLOSURE SOLUTIONbr Solving your mortgage debtbr li li2 The Problembr Negative Equitybr DEFICIENCYbr Mortgage Debtbr Property Valuebr Deficiency Judgmentbr ul liRuin Credit for yearsli li3 Personal Liabilityli li4 Debtli ul li ul