I'm in a similar situation here in Fort Myers, Florida as Acip4u. But, in my circumstances, I gave the car back to the bank because I could not afford it anymore because of the economy and to cut expenses. I do not want the car back, and it is listed as "Surrendered" on my Chapter 7 Bankruptcy petitions with my attorney.

The liquidation of the car is still pending with the bank, but I estimate around a $4k-$5k deficiency on the loan. I anticipate the sale of the vehicle will happen before my 341 meeting with the Trustee. My case has been filed electronically today by my attorney on 4/17/2009.

My question is this: In the State of Florida, are auto loan deficiencies dischargeable in a Florida Bankruptcy Court? Thank you!

Sincerely,

Nick, AA, ASB, BS,
Resident, Fort Myers, Florida,
Since 1967.