Here, Fannie Mae does not seek a deficiency judgment to recover the unpaid balance of its debt or allege that the foreclosure failed to yield the full amount due. See Mountain 1st Bank & Trust v. Galdena, LLC , 228 N.C.App. 360, 748 S.E.2d 775 (2013) (unpublished table decision) (“A deficiency judgment is an imposition of personal liability on [the] mortgagor for [the] unpaid balance of mortgage debt after foreclosure has failed to yield [the] full amount of due debt.” (
Pursuant to this provision, a debtor may claim a setoff against a deficiency judgment to the extent that the bid at the foreclosure is substantially less than the true value of the realty if the following requirements are met: (1) the creditor forecloses pursuant to a power of sale clause; (2) there was a deficiency; and (3) the creditor who foreclosed is the party seeking a deficiency judgment. Mountain 1st Bank & Trust v. Galdena, LLC, No. COA12-1322, 2013 WL 3770668, at *2 (N.C. Ct. App. July 16, 2013). "N.C. Gen. Stat. § 45-21.