Again, if you do not have any major assets you should consider a Chapter 7 bankruptcy to wipe away this problem. Most people do NOT want to go that route as it is a major hit on your credit score. But since you had the foreclosure your score is allready trashed.

Consult a lawyer and see if Chapter 7 is right for you. The new bankruptcy code makes it hard to discharge credit card debt, however, for Mortgage shortages and loans which where not credit card related, they are very easily dischargeable