Not very often, because it is usually not worth the hassle. The laws and procedures on this will vary by state, but most states allow you to protect a certain amount of the equity in a vehicle. In theory, the judgment creditor could get a writ and have your car taken and sold and an auction. However, unless there is enough to pay off the card loan and pay you the amount of your equity that the law protects, chances are that the creditor will not proceed with the sale of the vehicle.
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