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Someone please help!

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Basically, i have 2 questions.

I'm in Florida.

Question 1: On your exemption schedule C, do you list only vehicles owned-outright? Or do you also include secured vehicles?

Question 2: Is a bank-secured/lien auto loan a dischargeable debt? If it is non-dischargeable b/c it is under lien, do I need to file a reaffirmation agreement still?

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