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The time to fight it was when you got notice to go to court about the judgement. Now they have it because you lost by default. It means they will take 25% of whats left after the court decides how much you need to pay rent,food,ect. they cant make you starve but you wont have any money to go to the casino with. LOL

They will take 25% of your income. If you are intending to file for CH 7 protection, your time is now. You can search the internet and find sites that charge $175.00 to prepare your papers. Then, once the papers are complete, sign them and deliver them to your local bankruptcy court with a filing fee (usually around $200.00). Go to the trustees meeting and your done. Save hundreds and even thousands of dollars by filing on your own. good luck.

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โˆ™ 2015-07-15 21:45:25
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Q: Can you fight it if after an auto repossession over 4 years ago there is now a garnishment judgment against your pay for no more than 25 percent of your disposable earnings?
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Related Questions

Can a lender garnish your wages after a voluntary repossession in Georgia?

Yes, if the lender wins a lawsuit judgment they can execute the judgment as a wage garnishment. Georgia follows federal garnishment guidelines of a maximum of 25% of disposable income with the first $154.50 (weekly based) being exempt from garnishment action. A valid garnishment is generally imposed until the debt is paid.


Can your wages be garnished for the repossession of a vehicle in Louisiana?

If the lender decides to sue the borrower and wins a judgment, the judgment can be executed as a wage garnishment


Can they garnish the wife's wages for a repossession in Florida if the husband is out of work?

YES, if they get a judgment against you, garnishment is next.


How do you garnish wages in New York?

File suit against the debtor in the appropriate state court in the county where the debtor resides. If the plaintiff wins a judgment they can execute the judgment as a wage garnishment against the debtor. New York allows a maximum of 25% garnishment of disposable income by a judgment creditor.


Can a creditor with a judgment garnish more than one income?

Certainly, as long as the income belongs to the judgment debtor. A judgment creditor could not enforce a wage garnishment against co-debtor spouses simultaneously. Wage garnishment must run consecutively no concurrently. Likewise a judgment creditor could not execute a wage garnishment against dual income of the judgment debtor(s). For example, if the debtor worked two part time jobs the garnishment could only be enforced as a singular judgment against one of the earnings.


Can a creditor refuse a voluntary repossession and still demand payments?

yes, as this would make it easier to obtain a judgment and/or wage garnishment for whatever is owed.


Can wages be garnished for a repossession in Texas?

Texas law only allows wage garnishment when the judgment creditor does not have other means for collecting the debt owed. If the debtor has a bank account or non exempt property that can be levied, seized or a lien placed by a judgment, wage garnishment is not allowed.


Does Virginia allow wage garnishment for credit card debt?

Yes, a judgment creditor can execute the judgment as a wage garnishment.


Can a auto finance company garnish your wages in a repossession?

Yes, if they obtained a judgment in the processes. No employer will release wages to a third party without a valid order of garnishment however.


What percent can a creditor take out of you check for a garnishment?

That is determined by the laws of the state in which the judgment debtor resides. The maximum amount is 25% after disposable income with an amount equal to the weekly based federal or state minimum wage amount being exempt from garnishment.


Can you stop a garnishment from a civil judgment?

Only by appealing the garnishment order to the court which ordered it.


If a judgment creditor over charged you on a writ of garnishment increasing the interest and the amount to be garnished can the judgment be vacated?

If a judgment creditor over charged you on a writ of garnishment increasing the interest and the amount to be garnished can the judgment be vacated?


What is the maximum percentage allowed for wage garnishment Virginia?

25% of disposable income with the first $154.50 (weekly based) being exempt from ganishment. This only applies to judgment creditor garnishment. Creditor garnisments can ony run consecutively. Creditor garnishment does not affect any support and/or spousal maintenance witholding actions. Therefore child support and/or spousal maintenance can run concurrently with a creditor garnishment.


Where can you find a wage garnishment template?

The proper procedure for the garnishment of wages is established by the laws of the state in which the debtor resides. Generally, the person/plaintiff wishing to initiate a garnishment must file the writ of judgment as a garnishment order with the clerk of the court in which the judgment was granted.


What is vacate garnishment order?

Vacating a civil judgment nullifies the court's original decision. If the judgment was levied due to unpaid debt, any garnishment must immediately cease. Read more at Suite101: [http://www.suite101.com/content/vacating-a-civil-judgment-for-unpaid-debt-can-stop-garnishment-a234018#ixzz15UVivDRu '''Vacating a Civil Judgment For Unpaid Debt Can Stop Garnishment'''] [http://www.suite101.com/content/vacating-a-civil-judgment-for-unpaid-debt-can-stop-garnishment-a234018#ixzz15UVivDRu '''http://www.suite101.com/content/vacating-a-civil-judgment-for-unpaid-debt-can-stop-garnishment-a234018#ixzz15UVivDRu''']


Can you remove a repossession off your credit report if your cosigner has a judgment on the repossession?

No you cannot remove a repossession off your credit report if your cosigner has a judgement on the repossession.


In Texas what percentage of income can a second garnishment take if the debtor already has an active garnishment for student loans?

If it pertains to a creditor, then the garnishment writ cannot be executed until the current garnishment has been satisfied, and only if the judgment creditor has no other means of collecting monies owed (bank account levy, real property lien, etc.) If it is a garnishment for child support that is not considered a "true garnishment" and it takes priority NS the percentage is determined by the presiding judge according to established guidelines (maximum 50% disposable income).


What are judgment excepts to credit card company garnishment?

For California, look in court forms web site and look for judgment exceptions to garnishment. I would do an attachment, but this is not an email. ==========================


How does wage garnishment work?

Simple version: The creditor sues the debtor and is awarded a judgment. The creditor executes the judgment as a wage garnishment. The garnishment papers are served on the garnishee's employer. The employer withholds the amount stated in the garnishment order from the named employee's wages until the debt is satisfied or the garnishment order is no longer valid.


Can wages be garnished in Michigan for unpaid credit cards?

Yes. After due process has been followed. Meaning a lawsuit is filed, won, judgment granted, writ of judgment enforced as wage garnishment. Michigan garnishment laws are a max. 25% of disposable income. Federal law protects the first $154.50. Wages more than 154.50 but less than $206 are subject to discretionary garnishment. Wages above $206+ (after the $154.50 is deducted) are subject to 25%.


What would qualify as a hardship defense to stop wage garnishment?

The law does not recognize "hardship" as a valid defense against the execution of a judgment writ in any manner including income garnishment. The judgment debtor/garnishee can file a motion requesting the lowering of a garnishment amount due to the fact that it constitutes a 'hardship' upon themselves and/or their immediate family. An example would be the maximum garnishment (25% of disposable income) granted against the head of household that results in she or he being unable to properly clothe, feed, house, provide medical care, etc. for his or her dependents.


Can a credit card company garnish wages in Alabama?

If the lender/collector sues the borrower and wins a judgment the judgment can be executed as a wage garnishment. The maximum under federal law being 25% of the judgment debtor's disposable income, with the first 30 x minimum wage allowance (weekly based) being exempt from attachment.


Repossession car can they put a judgment on you for the balance?

yes


Can a civil lawsuit result in a garnishment?

A civil suit after a judgment is obtained but not before can definitely result in a garnishment of the judgment debtor's salary. That is one of the most widely used methods of collecting on a judgment when the debtor does not have assets from which to pay the debt.


How do you get a garnishment order?

You have to get a judgment against the person in court first.