Shirley borrows $200,000 from Ridgetop Credit Union to buy a home, which secures the loan. Three years into the term, she stops making payments on it. Ridgetop repossesses and auctions off the property to Toby.

The sale proceeds are not enough to cover the unpaid amount of the loan. In most states, Ridgetop can ask a court for

a. a deficiency judgment.

b. an equitable right of redemption.

c. a short sale.

d. nothing.