Do not think you can just walk anymore. 30 states allow this type of lawsuit to be filed.
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Deficiency Judgments have been around for ever in Florida.
I represented some lenders here in the late ’70s and ’80s and obtained them all of the time.
Debtor/Defendants need to wait out the statute of limitations for enforcement or get rid of them via Bankruptcy (their credit is already ruined so do it).
People with cars that are repossessed are in same position.