Ohio Foreclosure Questions -deficiency judgment.?

I am in the first steps of foreclosure. Has anyone in Ohio gone thru this? My credit is already shot and we WANT to lose the home, due to having an adjustable rate mortgage, we can no longer afford it.
My worry and concern is the deficiency judgment balance I will owe after the sale.
How do they go about recovering that balance?? Can they garnish my wages? Take my cars? Is it criminal with possible jail time? Or will it just go on my credit report and thats it?? Please help if you know. Thanks so much
Also, please note – I already know, I cannot refinance or sell my property because we owe more than it’s worth. I just want more info regarding the banks recovery of the deficiency balance. Thanks!

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