The best way to have your question answered with respect to the Chapter 13 bankruptcy (a reorganization as opposed to a liquidation) is to consult with the presumed bankruptcy attorney that you had concerning the above proceeding who is experienced in real estate law.If the loan that was foreclosed upon with respect to your home was the original loan (purchase money) then most likely under your state's laws on purchase money loans the lender is precluded from suing you for any deficiency on it. Likewise, in some states, there are laws precluding a deficiency judgment when a lender in a non-purchase money loan forecloses by way of a non-judicial foreclosure as opposed to a judicial foreclosure.Given the need to know the type of loan that you had on the foreclosed property and how the foreclosure went as stated above, I suggest that you consult with a real estate attorney to determine whether or not the $43,000 claimed against you as a deficiency judgment is a valid claim or not.