If you fail to take action in response to a maintenance call, or if your loan-to-value ratio drops below a certain level determined by the lender and you fail to remediate the loan deficiency, you may be at risk of liquidation.

Liquidation is a last resort and is initiated when maintenance calls are not met. It's essential to monitor your collateral's value and have a plan in place to address potential maintenance calls to avoid the consequences of liquidation, including additional costs and potential tax implications.