Zachary loaned a friend $$4,000$ to buy a used car. In the current year, Zachary's friend declares bankruptcy, and the debt is considered totally worthless. What amount may Zachary deduct on his individual income tax return for the current year as a result of the worthless debt, assuming he has no other capital gains or losses for the year?

a$.$ $$4,000$ ordinary loss

b$.$ $$4,000$ short$-$term capital loss

c$.$ $$3,000$ short$-$term capital loss

d$.$ $$2,000$ short$-$term capital loss$4$