Based on that interpretation it shouldn't ruin your credit if you signed over the condo with a quitclaim deed Most sellers who do this sort of financing don't report to the credit bureaus unless they do a lot of buying and selling of properties to people who can't qualify for mortgages on their own.
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The most likely of reasons are three, the property value at the time of auction did not greatly exceed that of opening bid OR there were liens which exceeded property value OR the property was homestead exempt.
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