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You should contact the bank ASAP. You will have to convince them that you WILL pay every month. That may not be easy after they had to repo the car. But TRY anyway. They have the option of collecting however they feel they wil get the most money. Its up to you to show them what that will be. Good Luck

This depends on whether the bank filed a lawsuit against you and was granted a judgment entitling them to legally garnish your wages. If that legal action was granted, they can and will take the amount granted by the judge from your wages regardless of your payment.

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