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In any state, what you do with the car AFTER the repo is up to you and the lender. Before the repo, yes, sometimes key cutting is the only way to get the car.(blocked in,cant get to it with a truck,ect) Some keys are very expensive, so make sure you really need one before you pay the money.

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Q: When repoing a car in Florida if debtor does not give up the keys are you allowed to have a key cut?
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