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Can your wages be garnished if you default on a car loan?


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Wiki User
2015-07-15 18:46:06
2015-07-15 18:46:06

YES, in most cases.

I have never heard of anyone having wages garnished to pay for a car loan (of course, I live in Texas, a debtor state, so it may differ elsewhere). Most places will just repo the vehicle.

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No, wage garnishment in NC is only for taxes, child support

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Yes it can if the loan company taKES it to court and gets a judgment against you, then by all means they can take your taxes, pay, etc.

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That's the point. They want the money, not the car, so they garnished your wages to pay that loan. Keep it, drive it, enjoy it. If you want to sell that car, any money would FIRST go to pay that loan and you could keep any cash left over.

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Only if you've been taken to court and the garnishment of wages was ordered by a judge.

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You do not owe money for a car if it has been repossessed, so your wages can't be garnished for that reason.


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