Welcome! Thank you for your question.
Sorry to hear about your situation. It is hard to imagine that they will not accept a deed in lieu of foreclosure in your situation. All of the assets and income you described are exempt under Florida bankruptcy laws.
You can exempt up to $1,000 in motor vehicle equity. Further, Roth IRA’s are exempt up to $1,171,650. (11 U.S.C. Section 522(b)(3)(C)(n).
Your social security income is exempt under Florida statute 222.201.
I cannot provide you with legal advise. I have provided you with information about the law related to your question. My answer, and any information that you find online, should not take the place of having a consultation with a lawyer in your area to advise you regarding your specific issues.
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