i don't have my car insurance and the cae got stolen .Car still on
finance and i don't have any money to pay them back.Can i do bankrapcy
.I live in FL.

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Clarification of Question by 1jaybird-ga on 11 Oct 2005 20:30 PDT

i don't have my car insurance and the cae got stolen .Car still on
finance and i don't have any money to pay them back.Can i creme
bankruptcy to avoid the debt?
.I live in FL.

Do you have the title? It can be tracked down and returned.

You should get advice from your local Legal Aid society. They should
have a minimal or free charge.  Only a lawyer familiar with actual
Florida law can really answer your question.

I'm not in Florida but where I come from the finance companies require
insurance be carried on cars for exactly this reason. I hope you
weren't breaking any laws by not being insured.

While each state and case is different, usually claiming bankruptcy
with a car loan means you either continue to pay the loan every month
and you keep the car; or you have to sell the car and turn over the
money to the bank; or return the car to the bank. You would be
responsible to the bank if the car was worth less than owed.

The worst that will happen is you keep making your payments every
month until the loan is paid off and you buy some good walking shoes
or a cheap bicycle.

You need a lawyer right away. Good luck.

I am ok now ,I got the car back .Live is rise and shine again.