Gaius
10
If a bank repossesses your home and it auctions for more than you owe, you get the difference back in cash
Same deal in 38 states if the taxman repossesses your home.
But in 12 states it is not so.
EX
Geraldine owed $14,300 she could not pay.
The state (county probably) auctioned her home, got $40,000 for it, and kept the difference. It is definitely unethical and the way they do it is constitutionally questionable.