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she is liable for whatever is left on the loan after the boat is sold by the creditor. If shes owes 50,000 on the boat and it is sold for 30,000 she is liable for 20,000 and the associated costs of the process.

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Q: Your mother-in-law filed bankruptcy and now has had her boat repossessed Can she be sued for the value of the boat and an additional 18k?
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