Is it advisable to wait and see if a lender will pursue on a deficiency or should I just BK?

I know this was asked a while ago, but I can say that if it's possible for a lender to pursue a deficiency, they will. Even in a non-deficiency state, if you signed papers which state they can pursue a deficiency then they most likely can, though since it's already charged off you might not know about it until they file a judgment against you to levy your bank accounts and/or garnish your wages should you become employed. It sounds like you have tried to get into contact with the bank, but I'd still try to find someone that you can ask flat-out what you owe.

If they've already sold it to a debt collector, then it may be a matter of finding out who actually holds the note before you can find anything out.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.