Debtors filed an objection to Creditor's deficiency claim pursuant to N.C. Gen. Stat. § 45-21.36, contending that Creditor's bid at the foreclosure sale of the property at issue had been substantially less than the property's true value. The Court overruled the objection, finding by the greater weight of the evidence that the bid had not been substantially less than the property's true value. The Court noted that its decision was consistent with North Carolina precedent, under which a guideline has been established that “a bid that was twenty percent less than the appraised value of the property was ‘substantially less’ than the property's true value.”